{"fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","restriction":null,"restriction_details":null,"description":"HIF is the Health Insurance Fund of Australia, and we’ve been providing great value health cover since 1954. As a not-for profit, here-for-you health fund, our priority is to help our Members and their dependents lead healthy and happy lives. Simple as that. We do this by providing a choice of insurance covers for hospital, medical and extras services as well as great value travel options.","website":"http://www.hif.com.au","phone":"1300 134 060","states":["ALL"],"brands":[],"source":"Private Health Insurance Ombudsman, 'PrivateHealth.gov.au' monthly data release on data.gov.au (the policy data behind privatehealth.gov.au, supplied by every registered health insurer).","licence_note":"Source data is published by the Commonwealth of Australia (Private Health Insurance Ombudsman) under the Creative Commons Attribution 3.0 Australia licence; Deep Almanac's normalised files may be reused with attribution to both. Premiums are before the Australian Government rebate and any Lifetime Health Cover loading or age-based discount, and change without notice. This is reference data, not financial or health advice.","note":"Each policy's cover_profile, waiting_profile and extras_profile point into cover_profiles, waiting_profiles and extras_profiles below, which list the clinical categories covered, restricted and not covered, the waiting periods, and the extras services covered.","policy_count":518,"hospital_policy_count":392,"combined_policy_count":126,"cover_profiles":{"cover1":{"covered":[],"restricted":["hospital_psychiatric","palliative_care","rehabilitation"],"not_covered":["assisted_reproductive","back_neck_spine","blood","bone_joint_muscle","brain_nervous_system","breast_surgery","cataracts","chemotherapy_radiotherapy_immunotherapy","dental_surgery","diabetes","dialysis","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","heart_vascular","hernia_appendix","implantation_hearing_devices","insulin_pumps","joint_reconstructions","joint_replacements","kidney_bladder","lung_chest","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","pain_management_with_device","plastic_reconstructive_surgery","podiatric_surgery","pregnancy_birth","skin","sleep_studies","tonsils_adenoids_grommets","weight_loss_surgery"]},"cover2":{"covered":["back_neck_spine","blood","bone_joint_muscle","brain_nervous_system","breast_surgery","chemotherapy_radiotherapy_immunotherapy","dental_surgery","diabetes","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","hernia_appendix","implantation_hearing_devices","joint_reconstructions","kidney_bladder","lung_chest","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","podiatric_surgery","skin","sleep_studies","tonsils_adenoids_grommets"],"restricted":["hospital_psychiatric","palliative_care","rehabilitation"],"not_covered":["assisted_reproductive","cataracts","dialysis","heart_vascular","insulin_pumps","joint_replacements","pain_management_with_device","plastic_reconstructive_surgery","pregnancy_birth","weight_loss_surgery"]},"cover3":{"covered":["back_neck_spine","blood","bone_joint_muscle","brain_nervous_system","breast_surgery","cataracts","chemotherapy_radiotherapy_immunotherapy","dental_surgery","diabetes","dialysis","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","heart_vascular","hernia_appendix","implantation_hearing_devices","insulin_pumps","joint_reconstructions","joint_replacements","kidney_bladder","lung_chest","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","pain_management_with_device","palliative_care","plastic_reconstructive_surgery","podiatric_surgery","rehabilitation","skin","sleep_studies","tonsils_adenoids_grommets"],"restricted":["hospital_psychiatric"],"not_covered":["assisted_reproductive","pregnancy_birth","weight_loss_surgery"]},"cover4":{"covered":["assisted_reproductive","back_neck_spine","blood","bone_joint_muscle","brain_nervous_system","breast_surgery","chemotherapy_radiotherapy_immunotherapy","dental_surgery","diabetes","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","heart_vascular","hernia_appendix","implantation_hearing_devices","insulin_pumps","joint_reconstructions","kidney_bladder","lung_chest","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","palliative_care","plastic_reconstructive_surgery","podiatric_surgery","pregnancy_birth","rehabilitation","skin","sleep_studies","tonsils_adenoids_grommets"],"restricted":["hospital_psychiatric"],"not_covered":["cataracts","dialysis","joint_replacements","pain_management_with_device","weight_loss_surgery"]},"cover5":{"covered":["hernia_appendix","joint_reconstructions","tonsils_adenoids_grommets"],"restricted":["hospital_psychiatric","palliative_care","rehabilitation"],"not_covered":["assisted_reproductive","back_neck_spine","blood","bone_joint_muscle","brain_nervous_system","breast_surgery","cataracts","chemotherapy_radiotherapy_immunotherapy","dental_surgery","diabetes","dialysis","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","heart_vascular","implantation_hearing_devices","insulin_pumps","joint_replacements","kidney_bladder","lung_chest","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","pain_management_with_device","plastic_reconstructive_surgery","podiatric_surgery","pregnancy_birth","skin","sleep_studies","weight_loss_surgery"]},"cover6":{"covered":["bone_joint_muscle","brain_nervous_system","breast_surgery","chemotherapy_radiotherapy_immunotherapy","diabetes","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","hernia_appendix","joint_reconstructions","kidney_bladder","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","skin","tonsils_adenoids_grommets"],"restricted":["hospital_psychiatric","palliative_care","rehabilitation"],"not_covered":["assisted_reproductive","back_neck_spine","blood","cataracts","dental_surgery","dialysis","heart_vascular","implantation_hearing_devices","insulin_pumps","joint_replacements","lung_chest","pain_management_with_device","plastic_reconstructive_surgery","podiatric_surgery","pregnancy_birth","sleep_studies","weight_loss_surgery"]},"cover7":{"covered":["blood","bone_joint_muscle","brain_nervous_system","breast_surgery","chemotherapy_radiotherapy_immunotherapy","dental_surgery","diabetes","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","hernia_appendix","implantation_hearing_devices","joint_reconstructions","kidney_bladder","lung_chest","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","podiatric_surgery","skin","tonsils_adenoids_grommets"],"restricted":["hospital_psychiatric","palliative_care","rehabilitation"],"not_covered":["assisted_reproductive","back_neck_spine","cataracts","dialysis","heart_vascular","insulin_pumps","joint_replacements","pain_management_with_device","plastic_reconstructive_surgery","pregnancy_birth","sleep_studies","weight_loss_surgery"]},"cover8":{"covered":["back_neck_spine","blood","bone_joint_muscle","brain_nervous_system","breast_surgery","chemotherapy_radiotherapy_immunotherapy","dental_surgery","diabetes","digestive_system","ear_nose_throat","eye","gastrointestinal_endoscopy","gynaecology","heart_vascular","hernia_appendix","implantation_hearing_devices","joint_reconstructions","kidney_bladder","lung_chest","male_reproductive","miscarriage_termination_of_pregnancy","pain_management","palliative_care","plastic_reconstructive_surgery","podiatric_surgery","rehabilitation","skin","sleep_studies","tonsils_adenoids_grommets"],"restricted":["hospital_psychiatric"],"not_covered":["assisted_reproductive","cataracts","dialysis","insulin_pumps","joint_replacements","pain_management_with_device","pregnancy_birth","weight_loss_surgery"]}},"waiting_profiles":{"waiting1":{"sub_acute":{"value":2,"unit":"month"},"pre_existing":{"value":12,"unit":"month"},"other":{"value":2,"unit":"month"}},"waiting2":{"sub_acute":{"value":2,"unit":"month"},"pre_existing":{"value":12,"unit":"month"},"pregnancy_birth":{"value":12,"unit":"month"},"other":{"value":2,"unit":"month"}}},"extras_profiles":{"extras1":["chiropractic","dental_general","optical","osteopathy","physiotherapy"],"extras2":["acupuncture","chinese_herbal_medicine","chiropractic","dental_general","dental_major","endodontic","exercise_physiology","health_management","non_pbs","optical","osteopathy","physiotherapy","podiatry","psychology","remedial_massage"],"extras3":["acupuncture","chinese_herbal_medicine","chiropractic","dental_general","dental_major","endodontic","health_management","non_pbs","optical","physiotherapy","podiatry","remedial_massage"],"extras4":["acupuncture","chinese_herbal_medicine","chiropractic","dental_general","dental_major","dietetics","endodontic","exercise_physiology","glucose_monitor","health_management","hearing_aids","home_nursing","non_pbs","occupational_therapy","optical","orthodontic","orthoptics","orthotics","osteopathy","physiotherapy","podiatry","psychology","remedial_massage","speech_therapy"]},"policies":[{"product_item_id":"A0737B67-B7B3-4994-96E8-5D65D61EDBFF","product_id":"e5c1a5d0-4d15-4947-b911-93c0f3503528","product_code":"CG7/NBZR20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"basic","premium_monthly":284.2,"premium_hospital_monthly":198.9,"premium_extras_monthly":85.3,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"NCCG7"},{"product_item_id":"2A5601B8-C190-4D7F-936D-B9A546964240","product_id":"90a6e705-96e8-46c3-bbf3-19ddb335113b","product_code":"CBP7/NCAU20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":387.4,"premium_hospital_monthly":271.2,"premium_extras_monthly":116.2,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCCBP7"},{"product_item_id":"958E2419-F4FC-4E4D-A69D-5136532F7FC2","product_id":"58a97ad5-ed29-4424-a190-b8e9f708b4c2","product_code":"NM/NABZ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":636.5,"premium_hospital_monthly":486.4,"premium_extras_monthly":150.1,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"NCNM"},{"product_item_id":"8ab353d0-9d96-4eaa-9a3f-9de5fc29c274","product_id":"9dd1d72e-fc18-41df-b28f-93d98c8883d9","product_code":"CZM7/NCDU20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":899.45,"premium_hospital_monthly":674.6,"premium_extras_monthly":224.85,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCCZM7"},{"product_item_id":"908cb79b-7d33-4561-9950-27f854875b64","product_id":"5c296196-1735-4f20-b255-639ed50c9e7a","product_code":"CZA7/NCCR20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":994.4,"premium_hospital_monthly":745.8,"premium_extras_monthly":248.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCCZA7"},{"product_item_id":"2E775906-8FC7-49B5-AC9E-F34FD54E61F3","product_id":"adf05e8e-c5f0-4bed-a8eb-855d7608d892","product_code":"GV/NAYF20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":244.6,"premium_hospital_monthly":244.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCGV7"},{"product_item_id":"A3DA5672-30A4-4C7E-85EA-B85613F1179A","product_id":"a6932d0f-92f0-48e6-b1a7-9a9d9172b9d9","product_code":"GV/NACO20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":250.4,"premium_hospital_monthly":250.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCGV"},{"product_item_id":"3307163F-D800-498B-A84F-CAB4F7F9BE4F","product_id":"e6461555-a57a-49ee-ad2d-573e9f994aa7","product_code":"BR/NBED20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":280.4,"premium_hospital_monthly":280.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18..","funds_product_code":"NCBR7"},{"product_item_id":"147EA994-94BA-4D16-B04C-CB4EF38F0EE1","product_id":"02b297d1-3d35-4dc7-9e7c-b72e43a386f0","product_code":"BRP/NBGV20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":290.8,"premium_hospital_monthly":290.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCBRP7"},{"product_item_id":"5B1AF3C6-20B6-40D0-A537-DEC6223661D1","product_id":"291f2163-523f-46fe-bce7-8865f3c0ac83","product_code":"BR/NAYJ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":299,"premium_hospital_monthly":299,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCBR5"},{"product_item_id":"EB2D8765-3B31-4CB1-BF4C-60F9F1F914F8","product_id":"2d97e62e-91ea-4865-bcaa-cdabb57da9d9","product_code":"BRP/NBFT20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":309.3,"premium_hospital_monthly":309.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCBRP5"},{"product_item_id":"73C29346-D6BC-43D8-BB67-41DF7C7A4358","product_id":"0cf83296-4a59-4a62-a902-80e99341ba41","product_code":"BR/NAAO20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":333.2,"premium_hospital_monthly":333.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCBR"},{"product_item_id":"B412CBA6-B81A-4AC2-9064-93688E41681F","product_id":"c9ca0233-2ac9-4878-b3c8-280b3bf517ee","product_code":"BRP/NABB20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":351.2,"premium_hospital_monthly":351.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCBRP"},{"product_item_id":"CCCA24B6-BBF2-4C45-9140-48419BCA5720","product_id":"de204a3a-fe8e-4a85-b72c-bab99eb2f1f4","product_code":"S1/NBCF20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":365.4,"premium_hospital_monthly":365.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCS7"},{"product_item_id":"CA9E6EE4-3F2A-419C-AC5B-AE4A59350814","product_id":"48885ee1-24b3-402c-8aec-6b3f2b3587b9","product_code":"S1/NBCB20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":395.4,"premium_hospital_monthly":395.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCS5"},{"product_item_id":"54222E81-CEC5-42B3-9C38-6FCCB6BCCD4F","product_id":"31ccad60-285b-4089-bdc5-14c40080b97c","product_code":"S1/NABQ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":432.4,"premium_hospital_monthly":432.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCS"},{"product_item_id":"70DD75AD-BAA8-492A-AC23-6F50557DE3BC","product_id":"85780080-8449-46ce-8bd0-a1426fe0cf73","product_code":"SP/NBJD20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":493.4,"premium_hospital_monthly":493.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCSP7"},{"product_item_id":"AA0D0796-DF24-4E6A-B78F-14346DC5E3EE","product_id":"265e5413-a74a-45d8-8052-1a6f5d3d1dc2","product_code":"SP/NBIB20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":529.8,"premium_hospital_monthly":529.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NCSP5"},{"product_item_id":"04FF62DC-2F62-4D0B-B02D-41337C1408F4","product_id":"8e934671-de2b-41d8-8b77-5c5d3fde5dbe","product_code":"SP/NBHA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"NSW","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":571.8,"premium_hospital_monthly":571.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"NCSP2"},{"product_item_id":"4DB745B1-BB48-42D2-BC05-DA117E2581CE","product_id":"d3c765a2-55ad-44fe-ab8c-71c9975a3528","product_code":"CG7/NBZS2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":284.2,"premium_hospital_monthly":198.9,"premium_extras_monthly":85.3,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"NFCG7"},{"product_item_id":"E45982EB-1AF4-4425-B097-23E8DA279423","product_id":"2cb0c2d0-fbbf-4232-8676-a845af39083a","product_code":"CBP7/NCAV2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":406.75,"premium_hospital_monthly":284.75,"premium_extras_monthly":122.0,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFCBP7"},{"product_item_id":"b02b5721-fb8b-4ec1-9d8a-51422a1ed3c2","product_id":"ee2755d4-6155-4a83-845f-f11bb6a3185c","product_code":"CZM7/NCDV2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":899.45,"premium_hospital_monthly":674.6,"premium_extras_monthly":224.85,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFCZM7"},{"product_item_id":"1049f7c7-f5f6-4e3d-a876-770c4b315214","product_id":"89743c98-0d9a-41ae-9cd5-31c4a6a85adf","product_code":"CZA7/NCCS2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":994.4,"premium_hospital_monthly":745.8,"premium_extras_monthly":248.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFCZA7"},{"product_item_id":"B8B5161A-AE3C-4DF2-AC78-20C923465D5F","product_id":"40739352-7969-43e7-a518-204dbf654138","product_code":"GV/NBYQ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":244.6,"premium_hospital_monthly":244.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFGV7"},{"product_item_id":"236EEE59-1470-4CFA-90E3-A586947541EE","product_id":"8b90bd1c-093d-48fa-a702-c2efad92ea0e","product_code":"GV/NBYO2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":250.4,"premium_hospital_monthly":250.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFGV"},{"product_item_id":"1E88A8BA-087B-4968-AB0A-9440ED126E44","product_id":"8bfb0058-5bf0-4901-aa08-0b8b6233748f","product_code":"BR/NBEF2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":280.4,"premium_hospital_monthly":280.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18..","funds_product_code":"NFBR7"},{"product_item_id":"74EBD293-9289-44FA-B762-22762F5970B3","product_id":"b0df2f47-68f7-4eb6-8f55-24184818cc9c","product_code":"BRP/NBGX2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":290.8,"premium_hospital_monthly":290.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFBRP7"},{"product_item_id":"3AFF39E7-D305-4722-BD62-C599CC643F1D","product_id":"56007358-2ba8-40d5-9e3b-7a81be096c32","product_code":"BR/NAYL2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":299,"premium_hospital_monthly":299,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFBR5"},{"product_item_id":"31E17E21-9DFD-41F6-90AB-3C8F503462B2","product_id":"849378cc-3181-4b16-a429-14393a145d43","product_code":"BRP/NBFV2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":309.3,"premium_hospital_monthly":309.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFBRP5"},{"product_item_id":"779AEBEA-9697-46A7-937F-5AA637C14244","product_id":"31ce62e6-37b3-41cb-8278-c36e320bf877","product_code":"BR/NAYH2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":333.2,"premium_hospital_monthly":333.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFBR"},{"product_item_id":"40C1952F-C431-4FF0-89AC-1D35E38EA1F4","product_id":"b3f2f2f5-826e-414f-beda-0a273fafc88f","product_code":"BRP/NBET2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":351.2,"premium_hospital_monthly":351.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFBRP"},{"product_item_id":"57BEA136-4926-44EB-BEB4-D134F08A218D","product_id":"5b178f49-7687-4c78-b420-1f0d49895652","product_code":"S1/NBCE2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":365.4,"premium_hospital_monthly":365.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFS7"},{"product_item_id":"3605F041-2889-452F-97DE-5C730FC96279","product_id":"4589daaa-50d0-451e-b462-ff07a6fe1cf3","product_code":"S1/NBCA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":395.4,"premium_hospital_monthly":395.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFS5"},{"product_item_id":"BD4402FD-C801-4DE9-9AE3-6DCB593923C1","product_id":"2ae8343e-b806-4cdc-995b-d4a224b89b47","product_code":"S1/NAAA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":432.4,"premium_hospital_monthly":432.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFS"},{"product_item_id":"4EAE5F61-5FD5-4928-B3CD-04C1E2EDA72D","product_id":"4d6b3637-6494-4890-bc7f-0c6cf4c2c209","product_code":"SP/NBJF2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":493.4,"premium_hospital_monthly":493.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFSP7"},{"product_item_id":"79C92EBA-CEEB-49CE-8BE6-D87F26A9BA08","product_id":"608c10bd-60a5-409b-a4a9-6758264f92df","product_code":"SP/NBID2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":529.8,"premium_hospital_monthly":529.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NFSP5"},{"product_item_id":"303B34A8-C923-4BB9-8301-4C8D8F7AEBD2","product_id":"cff9d4ff-1df2-4307-9579-107824ec4dc7","product_code":"SP/NBHC2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"NSW","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":571.8,"premium_hospital_monthly":571.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"NFSP2"},{"product_item_id":"9AB557CD-5297-40B5-922B-69A529724FD5","product_id":"68f5bd0d-59dd-4342-a50d-6a81cbdc87b0","product_code":"CG7/NBZU10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"basic","premium_monthly":142.1,"premium_hospital_monthly":99.45,"premium_extras_monthly":42.65,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"NSCG7"},{"product_item_id":"D3B12F61-F302-4AC7-A481-45255D552901","product_id":"cb4296c5-566a-4718-b269-784709750e30","product_code":"CBP7/NCAT10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":193.7,"premium_hospital_monthly":135.6,"premium_extras_monthly":58.1,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSCBP7"},{"product_item_id":"D20E47D9-09CA-440E-8FC4-AAEB0B80A57E","product_id":"701926ed-1715-4328-b100-ad044f68d0fb","product_code":"NM/NABY10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":335,"premium_hospital_monthly":256,"premium_extras_monthly":79,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"NSNM"},{"product_item_id":"5c07c976-e531-42aa-b071-7ffa8a4aa09c","product_id":"488ac671-625f-4e13-940f-ee7ee2ffa810","product_code":"CZM7/NCDX10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":672.3,"premium_hospital_monthly":504.2,"premium_extras_monthly":168.1,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSCZM7"},{"product_item_id":"890f021e-672b-42e4-8e03-fb2044e5dcbe","product_id":"a516ef7f-2a67-4278-9691-c46501fb86ab","product_code":"CZA7/NCCU10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":738.8,"premium_hospital_monthly":554.1,"premium_extras_monthly":184.7,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSCZA7"},{"product_item_id":"ABDFF8AD-ABEB-49EB-88BD-27122CA12CB0","product_id":"d42ed659-1988-439b-87f8-d349a803b3e6","product_code":"GV/NAYE10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":122.3,"premium_hospital_monthly":122.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSGV7"},{"product_item_id":"E4B8420D-FAA2-47A3-AE3F-EF69709B56BB","product_id":"fd5e2436-6648-464d-aeb5-ffd7d49ee194","product_code":"GV/NACN10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":125.2,"premium_hospital_monthly":125.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSGV"},{"product_item_id":"97A998A5-4A2A-4C85-8D8A-6724F261A663","product_id":"457685fe-d04a-4d21-9d17-06cf3a36fd17","product_code":"BR/NBEC10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":140.2,"premium_hospital_monthly":140.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18..","funds_product_code":"NSBR7"},{"product_item_id":"102747CB-6756-4D25-A5A6-62BF2C763CD8","product_id":"ea30c9db-7b34-4a73-920e-277b983e5e73","product_code":"BRP/NBGU10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":145.4,"premium_hospital_monthly":145.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSBRP7"},{"product_item_id":"244E707C-81BC-4D70-AC3A-3CE8A555E2D5","product_id":"ca57fee3-4cdd-43fe-bbca-a7fa5ae55e38","product_code":"BR/NAYI10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":149.5,"premium_hospital_monthly":149.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSBR5"},{"product_item_id":"31202472-6476-474E-9EFF-38771C06EFB0","product_id":"4eb88b17-d77f-44cf-bac6-6705a47f9a4b","product_code":"BRP/NBFS10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":154.65,"premium_hospital_monthly":154.65,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSBRP5"},{"product_item_id":"0D16B680-4BA3-4F25-AACF-444BB5A67E5B","product_id":"e49d00d6-3d67-4702-b070-4fbc0e6d1c63","product_code":"BR/NAAC10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":166.6,"premium_hospital_monthly":166.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSBR"},{"product_item_id":"A7EBAA6D-B73E-4EE0-9676-AC7A4E0425AE","product_id":"facc5698-a74c-4d28-8583-3d0daad9088e","product_code":"BRP/NAAA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":175.6,"premium_hospital_monthly":175.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSBRP"},{"product_item_id":"6CFEFE2F-C1FD-477C-A2F9-387C2BFD77A9","product_id":"030537af-e292-4c4b-b15f-1ebef210a26d","product_code":"S1/NBCC10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":182.7,"premium_hospital_monthly":182.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSS7"},{"product_item_id":"1AD10C2E-3A42-4A31-A471-5187C28FA36C","product_id":"79a5e864-3033-4d25-9f58-8c2d30bb7f35","product_code":"S1/NBBY10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":197.7,"premium_hospital_monthly":197.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSS5"},{"product_item_id":"716E9114-BF55-472E-9924-C87D5FC27A06","product_id":"7897e345-4fcc-4877-907f-c9b115b1713a","product_code":"S1/NAAA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":216.2,"premium_hospital_monthly":216.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSS"},{"product_item_id":"DAFE1BA5-CF63-4181-90A9-696455CE4D65","product_id":"bf9cb847-2be1-49ed-8047-3dfde5e42b7d","product_code":"SP/NBJC10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":246.7,"premium_hospital_monthly":246.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSSP7"},{"product_item_id":"D0CE1950-BA77-401D-8F9A-1CEA2A6FB4E4","product_id":"f8c53c45-8ab2-4314-8193-826b68c66cd9","product_code":"SP/NBIA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":264.9,"premium_hospital_monthly":264.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NSSP5"},{"product_item_id":"836BA294-B827-46AE-9CE1-C873DFE13F7D","product_id":"34352bd9-e54c-4b44-a27e-481ae1080565","product_code":"SP/NBGZ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"NSW","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":285.9,"premium_hospital_monthly":285.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"NSSP2"},{"product_item_id":"C358932C-C2AE-4569-85C6-138FF94F91B3","product_id":"1dddb57c-c195-4bba-9a5d-255db655e247","product_code":"CG7/NBZT1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":262.9,"premium_hospital_monthly":184,"premium_extras_monthly":78.9,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"NPCG7"},{"product_item_id":"06B4B02E-4C9D-4D60-B60E-8809CFE8B01E","product_id":"fa2525ae-50a8-4e86-8ba5-a07d1ae75dd9","product_code":"CBP7/NCAW1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":358.35,"premium_hospital_monthly":250.85,"premium_extras_monthly":107.5,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPCBP7"},{"product_item_id":"e6a6c7b7-2d0c-44a3-8d8d-fc8718ad2888","product_id":"9129ce03-6063-4e84-8654-565a75016644","product_code":"CZM7/NCDW1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":854.45,"premium_hospital_monthly":640.8,"premium_extras_monthly":213.65,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPCZM7"},{"product_item_id":"b5ea357b-5e78-4982-9eef-00f019cff5bf","product_id":"71cdd2db-b9fd-4b99-9824-9fa29bb23c46","product_code":"CZA7/NCCT1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":944.7,"premium_hospital_monthly":708.5,"premium_extras_monthly":236.2,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPCZA7"},{"product_item_id":"81B8F4CD-0959-456B-9602-01A141BCA576","product_id":"528b8c8e-7f4f-4975-90ec-64e3e421b34d","product_code":"GV/NBYR1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":207.9,"premium_hospital_monthly":207.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPGV7"},{"product_item_id":"AB87510A-9793-4390-B2A5-9F2F9B339B54","product_id":"f9f2ab7e-5974-4162-aa10-a900805d95a5","product_code":"GV/NBYP1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":212.85,"premium_hospital_monthly":212.85,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPGV"},{"product_item_id":"AC1556B0-1003-4CA0-9C67-15CEDEDBCC21","product_id":"454ac02f-f4c7-465e-8875-6d5f33158031","product_code":"BR/NBEE1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":259.35,"premium_hospital_monthly":259.35,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18..","funds_product_code":"NPBR7"},{"product_item_id":"85FB5A23-D3C4-4FD5-9F0F-2E0ADAC27336","product_id":"41ee43f0-a390-4cfa-bcb8-8d8adaa25923","product_code":"BRP/NBGW1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":269,"premium_hospital_monthly":269,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPBRP7"},{"product_item_id":"640FA983-E3BE-4A4B-A6CB-2C9BED41B762","product_id":"a9290f46-2f13-4995-90cf-c5f06380cd9c","product_code":"BR/NAYK1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":276.55,"premium_hospital_monthly":276.55,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPBR5"},{"product_item_id":"6D720789-084E-47EE-8998-E4CD728E7E8D","product_id":"8060b93a-27c8-450c-88df-1a7be9b8c98f","product_code":"BRP/NBFU1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":286.1,"premium_hospital_monthly":286.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPBRP5"},{"product_item_id":"CA1188E9-5140-41A9-9C4E-03677D28F045","product_id":"17b33459-01dc-4a62-a1af-45ccd0979860","product_code":"BR/NAYG1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":308.2,"premium_hospital_monthly":308.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPBR"},{"product_item_id":"BD67958C-609D-4A40-ABF5-DD9DBE2A8317","product_id":"2417e4a3-66d1-4212-a17b-abbbf03ca042","product_code":"BRP/NBES1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":328.25,"premium_hospital_monthly":328.25,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPBRP"},{"product_item_id":"00E2A321-FD70-4B4B-A9DE-0805F3A506D3","product_id":"c13e82e4-7e51-42b7-823e-61e63ae6af99","product_code":"S1/NBCD1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":333,"premium_hospital_monthly":333,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPS7"},{"product_item_id":"D990CD4E-D7B2-4D66-B06F-976AA18BAD84","product_id":"f19e33e2-7523-4d02-a6a5-4b192304a920","product_code":"S1/NBBZ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":365.75,"premium_hospital_monthly":365.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPS5"},{"product_item_id":"7018E09C-CADF-48D6-A9CD-E8C0CA4A6F52","product_id":"90d5584f-49cb-484f-8809-142d562363d8","product_code":"S1/NAAA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":399.95,"premium_hospital_monthly":399.95,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPS"},{"product_item_id":"12A8CDEE-B8F9-42F9-B0F8-475E7ACFD9E2","product_id":"fda286b2-3372-46c8-b2cc-5c992c76b091","product_code":"SP/NBJE1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":444.6,"premium_hospital_monthly":444.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPSP7"},{"product_item_id":"68F2BAC4-2131-4744-9A87-D76C2C9C4532","product_id":"bc023861-347d-45b7-8aea-a78aa1a120b5","product_code":"SP/NBIC1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":476.8,"premium_hospital_monthly":476.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"NPSP5"},{"product_item_id":"6FC21635-3F24-48E8-90A1-CBB9185846FC","product_id":"33f26ad7-1a60-48b4-a489-0b0c6df3ee62","product_code":"SP/NBHB1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"NSW","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":528.9,"premium_hospital_monthly":528.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_or_public","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"NPSP2"},{"product_item_id":"51BB86D3-C70B-408B-ADC8-390EF1C0277A","product_id":"4fba63a6-ec1e-43ea-9038-0235b7951886","product_code":"CG7/DBZV20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"basic","premium_monthly":163.3,"premium_hospital_monthly":114.3,"premium_extras_monthly":49.0,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"ZCCG7"},{"product_item_id":"F7D4C162-31F6-4E70-8CB6-27FFC5001788","product_id":"60b2ad0f-b128-497c-bd17-a3701a4be76f","product_code":"CBP7/DCBS20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":245.6,"premium_hospital_monthly":172,"premium_extras_monthly":73.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCCBP7"},{"product_item_id":"668CF6A8-FE2C-4D67-9E4E-45DC64A0AC67","product_id":"91d7e155-98c5-4a71-917b-805ea9feede0","product_code":"NM/DACA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":410.4,"premium_hospital_monthly":268.2,"premium_extras_monthly":142.2,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"ZCNM"},{"product_item_id":"f062b668-bd48-47ae-900e-2ffe0e2b662d","product_id":"d353f785-a5ac-40e3-8515-36f394af300d","product_code":"CZM7/DCES20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":591.9,"premium_hospital_monthly":443.9,"premium_extras_monthly":148.0,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCCZM7"},{"product_item_id":"031d3d5f-f7d5-4c57-abcc-dde1a1099ebd","product_id":"7e443e46-3bc2-493a-80e8-d46a535879f9","product_code":"CZA7/DCDP20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":673.5,"premium_hospital_monthly":505.1,"premium_extras_monthly":168.4,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCCZA7"},{"product_item_id":"05D12600-265E-4B6F-A5F9-F7C0EED7E078","product_id":"46760016-f0cf-4626-adb1-55a801724b2c","product_code":"GV/DAXT20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":123.9,"premium_hospital_monthly":123.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCGV7"},{"product_item_id":"BED3CC43-5C3A-4373-9580-04D972A65AE4","product_id":"341706c1-e4b7-4354-83ba-1a08862a6220","product_code":"GV/DACP20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":128,"premium_hospital_monthly":128,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCGV"},{"product_item_id":"44B48B77-CEDB-4242-BB21-17FEFB1ECDE4","product_id":"e30a2347-d357-4c79-88c5-9fbd7ce4bdaf","product_code":"BR/DBDF20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":143,"premium_hospital_monthly":143,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCBR7"},{"product_item_id":"8901C9AA-74F9-4F91-B6FD-5C2E6E41A208","product_id":"75533ba3-8c71-4bad-ada4-b9082075cb8e","product_code":"BR/DAYN20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":148.8,"premium_hospital_monthly":148.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCBR5"},{"product_item_id":"972B0B36-752B-4FA4-9724-C1D1125BC833","product_id":"ec4d354e-9a23-4598-aa7c-85530376344d","product_code":"BR/DAAD20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":158.8,"premium_hospital_monthly":158.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCBR"},{"product_item_id":"EF348232-C0AA-4D99-A142-CDFAA0379CB9","product_id":"1d162b10-7136-4330-a6c6-3ed508517edf","product_code":"BRP/DBFW20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":166.7,"premium_hospital_monthly":166.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCBRP7"},{"product_item_id":"D49B3299-1D52-4528-A603-872A5D2A5196","product_id":"88ae4ee1-9fc2-4098-971c-b6490295399b","product_code":"BRP/DBEU20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":174,"premium_hospital_monthly":174,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"ZCBRP5"},{"product_item_id":"DE575F6F-139E-40F1-B12D-36E92807097C","product_id":"affca5fa-ed9c-4bdd-9730-399d44787d37","product_code":"BRP/DAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":193.3,"premium_hospital_monthly":193.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCBRP"},{"product_item_id":"3BEF1CCF-4FAB-4573-AA96-B965564685A1","product_id":"0f18920e-485a-4429-b134-e1d6c9e46f3f","product_code":"S1/DBCH20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":199.2,"premium_hospital_monthly":199.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCS7"},{"product_item_id":"A0A4122D-1AC0-4EE7-87FD-0596016310CA","product_id":"237342d1-a4df-4d5f-9761-78445d39cbad","product_code":"S1/DBBB20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":212.1,"premium_hospital_monthly":212.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCS5"},{"product_item_id":"F1B368FE-E625-40B9-9288-A7F7AC23B70E","product_id":"56d4b4e7-61a0-48c0-91d7-44acc347e18a","product_code":"S1/DAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":249.9,"premium_hospital_monthly":249.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCS"},{"product_item_id":"9A9F4D14-7643-439D-914E-5A2DFD760209","product_id":"114c2f4c-a15c-4370-9141-a1ee52a1428c","product_code":"SP/DBJH20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":329.9,"premium_hospital_monthly":329.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCSP7"},{"product_item_id":"62646153-2F94-4BA6-8D59-D9583A514951","product_id":"5f2ce0aa-41a8-4bf6-9869-1a147bd35334","product_code":"SP/DBIF20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":344.4,"premium_hospital_monthly":344.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCSP5"},{"product_item_id":"BEF617FA-F7F4-4436-A29D-DCD7D3D72B85","product_id":"c97efcd1-ca86-42eb-9cd9-3484165b302f","product_code":"SP/DBHD20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"NT","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":374.1,"premium_hospital_monthly":374.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZCSP2"},{"product_item_id":"9351B10B-D808-481D-B3A7-A2FDA736BCEC","product_id":"9ee80834-9fcd-4ae3-aaf4-d8d6e9b9ddfe","product_code":"CG7/DBZW2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":163.3,"premium_hospital_monthly":114.3,"premium_extras_monthly":49.0,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"ZFCG7"},{"product_item_id":"171DE40E-94B4-41B8-8FE8-02A45F094F0E","product_id":"76c14d75-8605-45f1-b0dd-6c3a29a1ff72","product_code":"CBP7/DCBT2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":257.9,"premium_hospital_monthly":180.6,"premium_extras_monthly":77.3,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFCBP7"},{"product_item_id":"ef765143-c520-4a7e-8493-b4f35e8fa694","product_id":"bd6005dc-929f-497f-acf2-db9852f1aec7","product_code":"CZM7/DCET2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":591.9,"premium_hospital_monthly":443.9,"premium_extras_monthly":148.0,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFCZM7"},{"product_item_id":"14e680e7-7996-4af9-9c93-4d97969d3575","product_id":"724e361b-2f17-49cb-bfd8-a771b2476946","product_code":"CZA7/DCDQ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":673.5,"premium_hospital_monthly":505.1,"premium_extras_monthly":168.4,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFCZA7"},{"product_item_id":"9EF14961-41EB-494F-9893-A4CA3AF30782","product_id":"380f44a6-bf45-450f-855b-b53e9d544f6b","product_code":"GV/DBZE2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":123.9,"premium_hospital_monthly":123.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFGV7"},{"product_item_id":"B69AAB1D-994C-4F9D-8D57-DD7DB54C1CA1","product_id":"b443c6ee-621d-4bf0-9725-7cffe478d5d2","product_code":"GV/DBYS2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":128,"premium_hospital_monthly":128,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFGV"},{"product_item_id":"BD162501-2E12-4952-B3C3-1659A9952160","product_id":"1904c06b-d5ed-4d68-8aac-c242ea6d9028","product_code":"BR/DBDH2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":143,"premium_hospital_monthly":143,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFBR7"},{"product_item_id":"4DEEA42A-7B73-4B2D-B9FD-D9D6C4462818","product_id":"7376fa82-00ee-4440-9f7d-e254cd79ba0f","product_code":"BR/DAZL2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":148.8,"premium_hospital_monthly":148.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFBR5"},{"product_item_id":"5CBDE567-CB9D-43EA-B2F5-7200ED55734F","product_id":"d521d9dd-ec56-4980-9d3b-424ccfee48b6","product_code":"BR/DAYZ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":158.8,"premium_hospital_monthly":158.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFBR"},{"product_item_id":"BBE11ADD-CA63-4937-92F9-07624C988240","product_id":"9fa65b9c-5309-48f9-819d-b0a5e613459f","product_code":"BRP/DBFY2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":166.7,"premium_hospital_monthly":166.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFBRP7"},{"product_item_id":"B5CDE3E2-F9F5-4374-AA33-F824CFD3EA4B","product_id":"562c0603-9a86-4801-8fc6-bda5b2132ebd","product_code":"BRP/DBEW2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":174,"premium_hospital_monthly":174,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"ZFBRP5"},{"product_item_id":"2A696553-CFAB-42B9-AE27-E7D4A8C4F8D2","product_id":"3f634e66-0216-4ca6-ae3c-05bd37dba72c","product_code":"BRP/DBEG2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":193.3,"premium_hospital_monthly":193.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFBRP"},{"product_item_id":"6FF3DD4D-269F-467C-B630-42EBF07A0437","product_id":"041cf73e-9641-41ce-bb34-bcccd5464dc3","product_code":"S1/DBCI2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":199.2,"premium_hospital_monthly":199.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFS7"},{"product_item_id":"329F307C-BFAA-4109-AC3C-256F48B35003","product_id":"98960ae7-0c77-4e1e-898b-8270ff8b7273","product_code":"S1/DBBC2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":212.1,"premium_hospital_monthly":212.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFS5"},{"product_item_id":"621EFB11-9B2E-49CA-84C7-C7100C9897B1","product_id":"b401570b-83f7-4e3e-b88d-5059cf0701ad","product_code":"S1/DAAA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":249.9,"premium_hospital_monthly":249.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFS"},{"product_item_id":"C56864FC-ECF7-4CA0-939A-4612FD3BF63F","product_id":"38f961d9-3c3c-4b01-991c-fa172b5ebd84","product_code":"SP/DBJJ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":329.9,"premium_hospital_monthly":329.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFSP7"},{"product_item_id":"099AA99A-DBAE-47E9-84C7-B1B9662AA3B5","product_id":"4197cc08-204d-406a-9132-732ceec7ad91","product_code":"SP/DBIH2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":344.4,"premium_hospital_monthly":344.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFSP5"},{"product_item_id":"D10C5149-0BDD-45E7-8501-27D923638554","product_id":"8dee560b-b6c4-4428-8259-3580aafa5521","product_code":"SP/DBHF2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"NT","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":374.1,"premium_hospital_monthly":374.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZFSP2"},{"product_item_id":"0EA824D4-F531-4FCE-B78D-9662D94ADD1F","product_id":"6024ab3c-9df4-4b1f-9fe9-f9e472475715","product_code":"CG7/DBZY10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"basic","premium_monthly":81.65,"premium_hospital_monthly":57.15,"premium_extras_monthly":24.5,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"ZSCG7"},{"product_item_id":"4FDC9977-0A68-445B-B342-C521C17988D7","product_id":"49960ad5-ecc7-4e35-9791-e21e15b70eeb","product_code":"CBP7/DCBR10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":122.8,"premium_hospital_monthly":86,"premium_extras_monthly":36.8,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSCBP7"},{"product_item_id":"EA6E17FC-81CC-4024-A645-43B347A7A59E","product_id":"356fc896-d036-4804-a77d-a4f7042fc9ba","product_code":"NM/DACG10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":216,"premium_hospital_monthly":141.15,"premium_extras_monthly":74.85,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"ZSNM"},{"product_item_id":"187424a0-56a5-4666-b695-57cc66a5b9b2","product_id":"c7ca59f3-ee76-437c-99ac-49602f42a388","product_code":"CZM7/DCEV10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":440.3,"premium_hospital_monthly":330.2,"premium_extras_monthly":110.1,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSCZM7"},{"product_item_id":"d71d9e2d-99f8-4894-97a0-f84b1cefb1a9","product_id":"6c9a662a-7150-4a28-a241-fa7d2af459d0","product_code":"CZA7/DCDS10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":484.45,"premium_hospital_monthly":363.3,"premium_extras_monthly":121.15,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSCZA7"},{"product_item_id":"07B4465D-29E9-4CAA-A9E9-03A6274E8E38","product_id":"4895b676-3c74-46ef-8ce7-317cd648bde6","product_code":"GV/DAXS10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":61.95,"premium_hospital_monthly":61.95,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSGV7"},{"product_item_id":"50B9F452-1B65-4ACD-A9E2-04D72F2EA3B1","product_id":"344fa04d-a9ef-4aae-9b94-cfc70793795e","product_code":"GV/DACM10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":64,"premium_hospital_monthly":64,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSGV"},{"product_item_id":"A1DA5C95-3269-49D9-9553-B69A11494A38","product_id":"65451f85-87a8-4af1-925c-512c38526ea5","product_code":"BR/DBDE10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":71.5,"premium_hospital_monthly":71.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSBR7"},{"product_item_id":"C6972E73-FC2F-4A95-A1F2-787FDF0B5259","product_id":"4b61d41d-45cc-44d1-acfc-9c2314f1d967","product_code":"BR/DAYM10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":74.4,"premium_hospital_monthly":74.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSBR5"},{"product_item_id":"6958BDFE-E20D-4F74-986F-DD91C71A3C90","product_id":"f5e57b08-d653-48d4-8c7b-aa8dd0586766","product_code":"BR/DAAA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":79.4,"premium_hospital_monthly":79.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSBR"},{"product_item_id":"4AF013DF-0F18-4E02-8D2B-129D1AF5E386","product_id":"4e51c9fa-dcc5-45ce-85f4-46d804402bae","product_code":"BRP/DBFX10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":83.35,"premium_hospital_monthly":83.35,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSBRP7"},{"product_item_id":"296536A1-D215-4FEA-9F32-FA5F1D7C9508","product_id":"e855c3c9-c549-48f9-a2d3-7515fb7203e6","product_code":"BRP/DBEV10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":87,"premium_hospital_monthly":87,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"ZSBRP5"},{"product_item_id":"75FFCD06-93D1-4ED2-A2C3-C6C4BC5D5E18","product_id":"adc62adb-6d39-433f-ae4c-461f7d54b011","product_code":"BRP/DAAB10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":96.65,"premium_hospital_monthly":96.65,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSBRP"},{"product_item_id":"D522417E-DE53-4BE6-AA4F-31E7B2AB7821","product_id":"3659a033-786c-40ed-86b0-c32befa40442","product_code":"S1/DBCJ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":99.6,"premium_hospital_monthly":99.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSS7"},{"product_item_id":"74704B41-CD9F-4A2A-A731-243DEBC85B41","product_id":"65be831f-1104-40ea-8556-fb71ea0e2828","product_code":"S1/DBBD10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":106.05,"premium_hospital_monthly":106.05,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSS5"},{"product_item_id":"5354D72D-726B-498B-B334-F1B3D35B1270","product_id":"5a607f70-f13e-4713-a71b-1cb0c60bbcad","product_code":"S1/DABF10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":124.95,"premium_hospital_monthly":124.95,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSS"},{"product_item_id":"D09AB1DB-49D3-419B-A082-62C4D1A5049A","product_id":"8bf283ab-ed8f-4a10-af1c-50fb684f0901","product_code":"SP/DBJG10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":164.95,"premium_hospital_monthly":164.95,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSSP7"},{"product_item_id":"C3881A19-6E55-44C8-86A0-4C63DE8B912F","product_id":"380c2e13-ced3-48d0-a48d-2fc0df7a08e2","product_code":"SP/DBIE10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":172.2,"premium_hospital_monthly":172.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSSP5"},{"product_item_id":"97ADA207-7270-4296-B233-455358CEC994","product_id":"ddb1b52f-9678-48e2-a7f2-9bd9d580feb2","product_code":"SP/DBGY10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"NT","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":187.05,"premium_hospital_monthly":187.05,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZSSP2"},{"product_item_id":"DDF4FF0A-AE64-4452-A2FD-7618BF53B857","product_id":"6521ad3b-9fca-4740-b992-d4b88474ef86","product_code":"CG7/DBZX1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":151.05,"premium_hospital_monthly":105.7,"premium_extras_monthly":45.35,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"ZPCG7"},{"product_item_id":"C33E037E-1A17-444A-9F3C-DC530C221019","product_id":"281baf5c-c145-4351-9ee2-32dd41162c99","product_code":"CBP7/DCBU1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":227.2,"premium_hospital_monthly":159.1,"premium_extras_monthly":68.1,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPCBP7"},{"product_item_id":"b8053bb8-fb1c-40a9-99d0-d03113fa3670","product_id":"bf9cda0d-6e51-4fd1-b0e4-d0fbf3763470","product_code":"CZM7/DCEU1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":562.3,"premium_hospital_monthly":421.7,"premium_extras_monthly":140.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPCZM7"},{"product_item_id":"f061db39-92b3-454b-a2f0-dab649ffa5b4","product_id":"42b3ea75-186d-4994-be01-801bcb470ef5","product_code":"CZA7/DCDR1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":639.85,"premium_hospital_monthly":479.9,"premium_extras_monthly":159.95,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPCZA7"},{"product_item_id":"2B948386-F043-4C03-A53C-F0432B3B65E0","product_id":"d62c00df-a525-4d8f-b6bc-84a83211bebd","product_code":"GV/DBZF1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":105.3,"premium_hospital_monthly":105.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPGV7"},{"product_item_id":"C16410AE-DF6A-442E-92CD-E02B9DF0A8C5","product_id":"232e0c87-ce08-40e6-af7e-4da17f142d05","product_code":"GV/DBYT1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":108.8,"premium_hospital_monthly":108.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPGV"},{"product_item_id":"84A3A9A4-F96C-4863-B320-DADA983313F0","product_id":"9192688b-76aa-4315-b1dc-f10e837c602c","product_code":"BR/DBDG1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":132.7,"premium_hospital_monthly":132.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPBR7"},{"product_item_id":"4E969D19-7BF3-42E1-B850-8DAEC925DB45","product_id":"01a1680d-1d9b-48a5-8b40-9124f6e6a94e","product_code":"BR/DAZK1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":138.5,"premium_hospital_monthly":138.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPBR5"},{"product_item_id":"0A19B692-9BE8-49D8-B13D-40FE7294E64E","product_id":"d1b0f91f-4ed8-41df-83ec-feaba58582c0","product_code":"BR/DAYY1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":148.3,"premium_hospital_monthly":148.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPBR"},{"product_item_id":"6C0DBC3D-1E14-4B9C-9650-D709C5BB2446","product_id":"a26445fc-8e0e-46dc-9dc7-cbe9c037848f","product_code":"BRP/DBFZ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":154.6,"premium_hospital_monthly":154.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPBRP7"},{"product_item_id":"D303227C-6BD0-40EF-B79E-406ABC6CF9A2","product_id":"8b387af1-80b2-4aee-bf5a-dd7d0d3fb1bb","product_code":"BRP/DBEX1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":161.75,"premium_hospital_monthly":161.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"ZPBRP5"},{"product_item_id":"5A634F68-0FC4-4144-8762-AC206508A6E9","product_id":"93b2f953-4802-4aa4-95b6-51017252d94f","product_code":"BRP/DBEH1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":178.8,"premium_hospital_monthly":178.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPBRP"},{"product_item_id":"21FFEF61-C0F9-4063-B951-247AE681E64F","product_id":"9c0adf0a-ce19-4dde-9563-0bbd6ea17f0a","product_code":"S1/DBCG1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":179.3,"premium_hospital_monthly":179.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPS7"},{"product_item_id":"9234626F-D6F3-4822-8C30-023B86969A87","product_id":"52accf2c-3aac-45a3-8313-97da9eb6e431","product_code":"S1/DBBA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":190.9,"premium_hospital_monthly":190.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPS5"},{"product_item_id":"005346F7-9971-44DC-8D17-F479F5BAA271","product_id":"ce67a360-4efb-4c62-84a9-526cd729e277","product_code":"S1/DAAA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":231.15,"premium_hospital_monthly":231.15,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPS"},{"product_item_id":"6312F75C-0FD2-49C7-A103-264194EA228F","product_id":"aba22860-6f07-400f-b724-34170e6c9f22","product_code":"SP/DBJI1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":300.5,"premium_hospital_monthly":300.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPSP7"},{"product_item_id":"CFA33AC6-FE59-4CEE-82C6-1AC88CD7B0D8","product_id":"16da8690-7c17-4aed-95e7-125b7688c768","product_code":"SP/DBIG1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":318.55,"premium_hospital_monthly":318.55,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPSP5"},{"product_item_id":"C51E21FB-8247-4DCF-B260-2F89CC58F1D2","product_id":"6c16e2ae-f209-444d-a524-f08ff6d19c64","product_code":"SP/DBHE1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"NT","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":346.05,"premium_hospital_monthly":346.05,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"ZPSP2"},{"product_item_id":"BDD4E130-73EC-4D5B-BD27-8265082F8F31","product_id":"7866dcaa-8e4a-4f67-b9a0-921db0da6067","product_code":"CG7/QBZZ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"basic","premium_monthly":268.6,"premium_hospital_monthly":188,"premium_extras_monthly":80.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"QCCG7"},{"product_item_id":"0A9CC73B-9769-460C-BF85-9EE3117CB4FB","product_id":"d60dae82-d117-41d9-8ce4-16165349a032","product_code":"CBP7/QCBG20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":394.4,"premium_hospital_monthly":276,"premium_extras_monthly":118.4,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCCBP7"},{"product_item_id":"A5AA8F07-9B37-44B3-9BF0-847A659086CB","product_id":"a0440f39-2bff-42b3-979b-32e98c78d2d7","product_code":"NM/QACB20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":661.1,"premium_hospital_monthly":513.45,"premium_extras_monthly":147.65,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"QCNM"},{"product_item_id":"b296ef46-146b-435e-b235-cbf856584bdc","product_id":"4d36c861-4bba-437e-a22b-94c77d5dac19","product_code":"CZM7/QCDY20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":924.8,"premium_hospital_monthly":693.6,"premium_extras_monthly":231.2,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCCZM7"},{"product_item_id":"7ef857a7-6736-4466-bad9-fd5abf237723","product_id":"c9d43c3d-ba53-441b-8a78-e26094cf7cb9","product_code":"CZA7/QCCV20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":1030.85,"premium_hospital_monthly":773.1,"premium_extras_monthly":257.75,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCCZA7"},{"product_item_id":"395369C3-7F7B-4C31-A632-4DB91EB56D5E","product_id":"d82f8a90-fd60-4412-b82a-5d206e26a29d","product_code":"GV/QAXU20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":241.5,"premium_hospital_monthly":241.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCGV7"},{"product_item_id":"F0CAC54F-B59F-465A-8A30-2FA27858FDE4","product_id":"d5b39f3d-46ec-4776-9ee2-c121ecc5597a","product_code":"GV/QACQ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":247.7,"premium_hospital_monthly":247.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCGV"},{"product_item_id":"6E8065A7-E007-4919-A933-1F3030676364","product_id":"3d08f082-9d14-40d4-a684-3ffe3d747077","product_code":"BR/QBDJ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":284.1,"premium_hospital_monthly":284.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCBR7"},{"product_item_id":"0B9130EB-5B81-4A70-A72B-B2E17797AA38","product_id":"d79a56a8-5a5d-4d29-b40c-a6ed8f57d68c","product_code":"BR/QAYP20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":303.6,"premium_hospital_monthly":303.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCBR5"},{"product_item_id":"3BB12068-CCD6-419A-B7CD-70D000CA850C","product_id":"559da013-c865-4214-b944-a766a102b983","product_code":"BRP/QBGB20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":311.8,"premium_hospital_monthly":311.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCBRP7"},{"product_item_id":"86909ECD-3790-4D3D-823F-FE239D386CF3","product_id":"7bd9dd77-73c7-4e21-a88b-835f75fc2ffd","product_code":"BRP/QBEZ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":327.7,"premium_hospital_monthly":327.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"QCBRP5"},{"product_item_id":"C14C23A5-F2C3-48B1-ABB6-53EA04B38737","product_id":"3d2041e6-7aa5-4bbd-819b-3d51f41d9562","product_code":"BR/QAAF20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":339.3,"premium_hospital_monthly":339.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCBR"},{"product_item_id":"294748D0-2794-434A-A572-99D3374675CF","product_id":"ddd708ec-45ba-415e-bf25-63ed3cfa80dd","product_code":"BRP/QAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":377.5,"premium_hospital_monthly":377.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCBRP"},{"product_item_id":"C4F90994-A2F9-4B31-B7E9-4E3DEB51912D","product_id":"d78e7ab0-73ca-4d12-b8bd-85b83425604d","product_code":"S1/QBCL20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":391.6,"premium_hospital_monthly":391.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCS7"},{"product_item_id":"8636D581-91FE-418C-82F6-35C5C1A2D340","product_id":"cf94b553-a4c4-42a6-9005-533df9217bf7","product_code":"S1/QBBF20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":417,"premium_hospital_monthly":417,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCS5"},{"product_item_id":"5B9C0E7B-0007-4847-ACF6-CB5283CC433A","product_id":"acd1ccdd-63a7-4575-9d91-680288912c77","product_code":"S1/QAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":455.6,"premium_hospital_monthly":455.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCS"},{"product_item_id":"B62EE5D3-416D-4477-BF87-9E9FC3A0F236","product_id":"d41dee4a-50f4-4112-88b4-4e4c3a2195f6","product_code":"SP/QBJL20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":541.5,"premium_hospital_monthly":541.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCSP7"},{"product_item_id":"B2A9A6DE-A6E2-41DB-85D6-760B74936D1C","product_id":"901ccafa-1b10-43fd-ae27-fbbc734d3cec","product_code":"SP/QBIJ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":568.8,"premium_hospital_monthly":568.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCSP5"},{"product_item_id":"9FF6D698-C6D3-46D8-9A0C-6FB74EF9D55A","product_id":"61075e1f-fe0c-419b-929c-5b905a24ccd0","product_code":"SP/QBHH20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"QLD","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":615.7,"premium_hospital_monthly":615.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QCSP2"},{"product_item_id":"F49F99E9-56EA-4B24-B37D-52FD8CDB170C","product_id":"f20f28c1-2cf8-4633-87be-47622659d8ca","product_code":"CG7/QCAA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":268.6,"premium_hospital_monthly":188,"premium_extras_monthly":80.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"QFCG7"},{"product_item_id":"AC0D9DBF-8D0C-43BC-A23B-076A3915387D","product_id":"836a7c21-9992-4e64-b1eb-79e2420fa165","product_code":"CBP7/QCBH2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":414.1,"premium_hospital_monthly":289.8,"premium_extras_monthly":124.3,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFCBP7"},{"product_item_id":"ff71a65c-d286-4ac1-b218-25a48c4eb494","product_id":"d77f2bcf-1793-442e-863a-100b038312f1","product_code":"CZM7/QCDZ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":924.8,"premium_hospital_monthly":693.6,"premium_extras_monthly":231.2,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFCZM7"},{"product_item_id":"d0075c66-b2a0-42ee-aa31-8942c14a74b1","product_id":"767b3ab6-ae1c-4d07-88cc-784dd5d4408a","product_code":"CZA7/QCCW2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":1030.85,"premium_hospital_monthly":773.1,"premium_extras_monthly":257.75,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFCZA7"},{"product_item_id":"C4721411-F175-44E9-B1D9-0611EEBF5C42","product_id":"3a921595-416f-4688-b5fa-32629b7ce26c","product_code":"GV/QBZH2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":241.5,"premium_hospital_monthly":241.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFGV7"},{"product_item_id":"D5F4FBBA-20CE-45EB-9A48-4CF09D6C6231","product_id":"28bddf0a-b308-49d8-b310-b9958c48248b","product_code":"GV/QBYU2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":247.7,"premium_hospital_monthly":247.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFGV"},{"product_item_id":"41EC913E-AAE0-477D-BAEB-952C419615A1","product_id":"7a2536af-e842-42b0-ad56-8f3e2703dd55","product_code":"BR/QBDL2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":284.1,"premium_hospital_monthly":284.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFBR7"},{"product_item_id":"14B3A4BD-B563-4540-B3CB-5079EF5AF884","product_id":"99987d95-e575-4018-94d4-99e65a69b526","product_code":"BR/QAZN2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":303.6,"premium_hospital_monthly":303.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFBR5"},{"product_item_id":"F4A27544-37D5-4D47-86BD-BC16BBFC0CF4","product_id":"c67e59c3-4d65-4907-b65a-edd19c271947","product_code":"BRP/QBGD2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":311.8,"premium_hospital_monthly":311.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFBRP7"},{"product_item_id":"A1D2119F-9DC2-4B7B-B0F6-65741365793F","product_id":"72474935-c5bb-4f03-84a0-e390763d858d","product_code":"BRP/QBFB2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":327.7,"premium_hospital_monthly":327.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"QFBRP5"},{"product_item_id":"C7E9CB31-AB27-4D75-9741-0A63A9582911","product_id":"ff1684d0-0a2f-45b6-9bf8-05944ae84e87","product_code":"BR/QAZB2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":339.3,"premium_hospital_monthly":339.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFBR"},{"product_item_id":"2BECBBDF-E8FB-4B8B-9EDB-67B2E7A557A0","product_id":"2de531db-4a18-4049-9f8d-1ed0ed897359","product_code":"BRP/QBEJ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":377.5,"premium_hospital_monthly":377.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFBRP"},{"product_item_id":"6971FD77-FA91-4CD1-A350-3686CFF05420","product_id":"3ca15fc7-78d8-4998-b763-bf7d189db6b0","product_code":"S1/QBCM2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":391.6,"premium_hospital_monthly":391.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFS7"},{"product_item_id":"865E0002-6D1F-41B4-A804-D8BCA710FFB9","product_id":"7f1e873a-2519-4172-b96e-ff8dd6324475","product_code":"S1/QBBG2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":417,"premium_hospital_monthly":417,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFS5"},{"product_item_id":"0D585E36-DC7B-4791-AE22-D355B366C60F","product_id":"74bbc461-6958-4667-8c0b-86d7d4a4fa1d","product_code":"S1/QAAA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":455.6,"premium_hospital_monthly":455.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFS"},{"product_item_id":"8792B922-D176-4FB4-8C5E-47DDFAEBE9CA","product_id":"abb1bfc9-faa0-400e-b91d-9dbdd3086bf5","product_code":"SP/QBJN2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":541.5,"premium_hospital_monthly":541.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFSP7"},{"product_item_id":"494FEFB4-7B88-4938-B297-17C473F3D384","product_id":"a65a7073-7dcd-45de-b657-94f64f859ab2","product_code":"SP/QBIL2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":568.8,"premium_hospital_monthly":568.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFSP5"},{"product_item_id":"5B8756BD-3EDE-45D5-90A3-26356801E6BC","product_id":"151ac21d-8f47-4a46-b608-17a70c6db217","product_code":"SP/QBHJ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"QLD","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":615.7,"premium_hospital_monthly":615.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QFSP2"},{"product_item_id":"EB63274A-C53E-4D83-B0EB-567B708C9849","product_id":"d3728295-84e2-4819-bbef-c2b482baa284","product_code":"CG7/QCAC10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"basic","premium_monthly":134.3,"premium_hospital_monthly":94,"premium_extras_monthly":40.3,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"QSCG7"},{"product_item_id":"BFE70311-2815-4482-8184-EA6AC3DD0CD0","product_id":"d1fa0d3d-cc32-4840-b44e-0bbf8ab768e1","product_code":"CBP7/QCBF10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":197.2,"premium_hospital_monthly":138,"premium_extras_monthly":59.2,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSCBP7"},{"product_item_id":"A090581B-25B9-4473-94D1-704E4B19FBA1","product_id":"60ae05ab-49f5-45db-b38a-2d3501d3cf38","product_code":"NM/QACH10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":347.95,"premium_hospital_monthly":270.25,"premium_extras_monthly":77.7,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"QSNM"},{"product_item_id":"f1d96ad4-f4a1-456b-8731-da71e30500dd","product_id":"461bab26-e76d-46e1-9f31-ef03f7c62cd6","product_code":"CZM7/QCEB10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":710.85,"premium_hospital_monthly":533.1,"premium_extras_monthly":177.75,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSCZM7"},{"product_item_id":"7bb7a19c-5305-41c0-a3a1-2c0ee5bae6c0","product_id":"60bbba47-92a4-407c-b25b-4686f45684e5","product_code":"CZA7/QCCY10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":755.85,"premium_hospital_monthly":566.9,"premium_extras_monthly":188.95,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSCZA7"},{"product_item_id":"F4758B12-AE27-4700-B5BA-D4A26C0AAD37","product_id":"24f06886-fe1f-40f5-8610-5e2d6711f463","product_code":"GV/QAXV10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":120.75,"premium_hospital_monthly":120.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSGV7"},{"product_item_id":"21B025F1-092C-449A-8AF6-B8E963D6F35D","product_id":"95358bbf-b3ad-422f-81af-396e8cab4de2","product_code":"GV/QACV10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":123.85,"premium_hospital_monthly":123.85,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSGV"},{"product_item_id":"DCFC97F0-D77F-4671-84B3-0CC3776ABE85","product_id":"c1f445cd-c53f-4faf-95f6-e0ffe2fad9e7","product_code":"BR/QBDI10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":142.05,"premium_hospital_monthly":142.05,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSBR7"},{"product_item_id":"26EA00D2-3FE6-4ABE-84AD-9D1D40C38944","product_id":"b61fd7ad-9275-4863-9de0-c45927485f23","product_code":"BR/QAYO10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":151.8,"premium_hospital_monthly":151.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSBR5"},{"product_item_id":"AB658AFD-C2C5-48F9-8DA0-848B07E44FD7","product_id":"dd62539d-b690-4008-8789-f4d4b17a606f","product_code":"BRP/QBGA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":155.9,"premium_hospital_monthly":155.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSBRP7"},{"product_item_id":"472D0155-5BC4-4DBB-9026-6124799DBCAE","product_id":"1de70928-c596-4f70-a10c-46ad396d020f","product_code":"BRP/QBEY10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":163.85,"premium_hospital_monthly":163.85,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"QSBRP5"},{"product_item_id":"2CD8DAD1-CE6A-4200-9277-88C0FE8AD34E","product_id":"c576fd4c-5b91-4867-9d33-9d3921763e9a","product_code":"BR/QAAE10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":169.65,"premium_hospital_monthly":169.65,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSBR"},{"product_item_id":"BB3A56E6-7123-449A-80DB-39E14A3256D1","product_id":"4fad6744-c1d4-491e-ab35-199796767d75","product_code":"BRP/QAAA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":188.75,"premium_hospital_monthly":188.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSBRP"},{"product_item_id":"91FE625B-72F4-49D1-A30A-E61496B38419","product_id":"d93ec694-e9f0-4a13-aebe-8272c219759b","product_code":"S1/QBCN10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":195.8,"premium_hospital_monthly":195.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSS7"},{"product_item_id":"8FC93239-51FC-457E-9E4F-3AD9CCB04E70","product_id":"803c4745-48cb-4285-bcba-e3462289fb77","product_code":"S1/QBBH10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":208.5,"premium_hospital_monthly":208.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSS5"},{"product_item_id":"2369A813-C873-4B26-B3E0-E71448FDC8D5","product_id":"a814c80c-a8a7-45bd-b12f-89c095f8f8b7","product_code":"S1/QABT10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":227.8,"premium_hospital_monthly":227.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSS"},{"product_item_id":"C6D75AF7-179D-4F8C-8492-9500C2DE339A","product_id":"32d610df-35f7-494d-83c1-8a6e32a893f2","product_code":"SP/QBJK10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":270.75,"premium_hospital_monthly":270.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSSP7"},{"product_item_id":"E4E2D37E-584A-4C4C-B3B2-CFADF8A4B0E9","product_id":"329d7ec3-eed1-45d0-9693-1beb504e663a","product_code":"SP/QBII10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":284.4,"premium_hospital_monthly":284.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSSP5"},{"product_item_id":"301B9FF2-8B1C-41C4-A94F-9606EBFE1335","product_id":"08eaeb63-3957-422e-b18e-7bcfe2adee23","product_code":"SP/QBHG10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"QLD","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":307.85,"premium_hospital_monthly":307.85,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QSSP2"},{"product_item_id":"72D8E51A-BA8B-49D5-BF0C-338E2E580319","product_id":"b0b28c16-5fa7-4b46-a024-7fd420d93159","product_code":"CG7/QCAB1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":248.45,"premium_hospital_monthly":173.9,"premium_extras_monthly":74.55,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"QPCG7"},{"product_item_id":"DBEB5D53-E009-4598-874A-D5C0008E79A9","product_id":"5fe1ace9-c5f5-4e1a-99ac-3ece9c7c0b43","product_code":"CBP7/QCBI1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":364.8,"premium_hospital_monthly":255.3,"premium_extras_monthly":109.5,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPCBP7"},{"product_item_id":"c387ec91-ca3e-415b-be78-739591d22a67","product_id":"d3bcfe8c-3f28-45f8-8642-ecc5de69afe8","product_code":"CZM7/QCEA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":878.55,"premium_hospital_monthly":658.9,"premium_extras_monthly":219.65,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPCZM7"},{"product_item_id":"bd213352-34ff-4b7f-a587-12038fae423c","product_id":"1bd46bb7-6abe-4e26-a2ab-dbccb98886c1","product_code":"CZA7/QCCX1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":979.3,"premium_hospital_monthly":734.5,"premium_extras_monthly":244.8,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPCZA7"},{"product_item_id":"584BE5B0-E976-447C-99DE-00514A5AD60A","product_id":"47404253-1377-4f78-9f78-2fec67fcb52f","product_code":"GV/QBZG1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":205.3,"premium_hospital_monthly":205.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPGV7"},{"product_item_id":"ED2428EE-C7A8-46C6-8E3B-CE1DBCCD65AE","product_id":"ddb7fafe-f1cc-4a19-8e06-ba2acd47b49d","product_code":"GV/QBYV1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":210.55,"premium_hospital_monthly":210.55,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPGV"},{"product_item_id":"564721D1-E7AF-4EE6-9AB1-B4176DC53A3F","product_id":"c8e2e8d4-db92-4a3a-826b-e2b0f66f7886","product_code":"BR/QBDK1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":262.8,"premium_hospital_monthly":262.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPBR7"},{"product_item_id":"22258A0B-7D4E-41D6-AB33-C2D50AFB80C8","product_id":"55e6374c-ef64-448a-8abb-cfd9f1b92dda","product_code":"BR/QAZM1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":280.85,"premium_hospital_monthly":280.85,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPBR5"},{"product_item_id":"F620542B-D760-42B0-AA37-F58B7EBD6EB8","product_id":"6fa1ba36-935c-40e3-9651-2df923d38c4c","product_code":"BRP/QBGC1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":288.4,"premium_hospital_monthly":288.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPBRP7"},{"product_item_id":"D878E3A3-DEDD-466F-B7E0-9CDA9A8A68C6","product_id":"1f0839f3-92a7-4ff8-b986-658256d9a063","product_code":"BRP/QBFA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":303.1,"premium_hospital_monthly":303.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"QPBRP5"},{"product_item_id":"7232BAE4-9184-4018-BA32-3DCFD6975A79","product_id":"2f4fafb0-7b11-40dd-9f27-a1b6138875e9","product_code":"BR/QAZA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":313.85,"premium_hospital_monthly":313.85,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPBR"},{"product_item_id":"957B681C-9CE0-40DB-921A-FEFD791A497C","product_id":"7930cd9e-8ad8-4a3f-90ca-b740edbfc3ee","product_code":"BRP/QBEI1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":349.2,"premium_hospital_monthly":349.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPBRP"},{"product_item_id":"BD4024D6-5AAF-4EB3-BFE8-AA6DE675309F","product_id":"05202cc0-72db-40f1-a3e6-aa59b468421b","product_code":"S1/QBCK1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":352.45,"premium_hospital_monthly":352.45,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPS7"},{"product_item_id":"FA3F8551-30C6-4884-B9BA-2C9469377D99","product_id":"387a4ec3-2916-4e18-b3f3-c0d923732cde","product_code":"S1/QBBE1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":385.75,"premium_hospital_monthly":385.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPS5"},{"product_item_id":"5EB30834-DAC0-476C-AB15-D311CA7AA5CF","product_id":"77397ac1-8497-4a27-9f60-d1d22e2d8616","product_code":"S1/QAAA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":421.45,"premium_hospital_monthly":421.45,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPS"},{"product_item_id":"9878AF35-4597-4243-BA96-49DDBD59D1D7","product_id":"7d2c65dd-2252-4471-8c37-048bbe4338f7","product_code":"SP/QBJM1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":487.35,"premium_hospital_monthly":487.35,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPSP7"},{"product_item_id":"FD3A70F0-6BEA-46B0-A5D1-EE6E384C432E","product_id":"f7719792-985c-43bd-9105-3530100aaf5c","product_code":"SP/QBIK1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":511.9,"premium_hospital_monthly":511.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPSP5"},{"product_item_id":"CAC578F6-9F76-43C7-B540-B87F9315E546","product_id":"beb1bd03-73c7-4e2e-80d2-88490628eb83","product_code":"SP/QBHI1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"QLD","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":569.5,"premium_hospital_monthly":569.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"QPSP2"},{"product_item_id":"3219ABA5-0734-4499-B882-FC01794BB6D1","product_id":"34e8f39b-37cd-494c-a8c4-2fb38664d0eb","product_code":"CG7/SCAD20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"basic","premium_monthly":261.1,"premium_hospital_monthly":182.8,"premium_extras_monthly":78.3,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"SCCG7"},{"product_item_id":"776C673A-0A26-44F3-8DF6-817E51255130","product_id":"6c8e5b0e-1a35-457e-9d34-de9655d4221a","product_code":"CBP7/SCBO20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":391.4,"premium_hospital_monthly":274,"premium_extras_monthly":117.4,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCCBP7"},{"product_item_id":"DBCBE904-ADCE-4A36-84C2-95B114BDDD13","product_id":"92fba0df-fe1b-44db-8f8a-b0d8c5c17a44","product_code":"NM/SACC20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":584.75,"premium_hospital_monthly":445.95,"premium_extras_monthly":138.8,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"SCNM"},{"product_item_id":"31631045-c33d-4687-ac97-f0a31459ff3b","product_id":"5c46d4c6-0462-4a3d-9789-856f5c125f84","product_code":"CZM7/SCEC20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":820.45,"premium_hospital_monthly":615.3,"premium_extras_monthly":205.15,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCCZM7"},{"product_item_id":"d1fe53ba-44cf-4a6f-a55c-5fa31bfb5605","product_id":"b2796228-da3f-4648-9988-89fcff48d67e","product_code":"CZA7/SCCZ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":914.6,"premium_hospital_monthly":686,"premium_extras_monthly":228.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCCZA7"},{"product_item_id":"3D58EE1D-97CC-411C-BD25-B564F10AA256","product_id":"9b6a9b9c-1d20-4a1f-8d20-f4803af7b035","product_code":"GV/SAXW20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":227.2,"premium_hospital_monthly":227.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCGV7"},{"product_item_id":"B85C75C2-2D3A-4118-B3FA-269FBA687CA7","product_id":"722271ce-192c-431e-8977-ba1c25673d9a","product_code":"GV/SACR20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":231.5,"premium_hospital_monthly":231.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCGV"},{"product_item_id":"E2D2710A-CDA2-4124-A221-1762E969A179","product_id":"87865f9b-1801-49af-af20-e8379322c13e","product_code":"BR/SBDN20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":291.6,"premium_hospital_monthly":291.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCBR7"},{"product_item_id":"B643E9DD-F289-43C6-9FFC-006962D81786","product_id":"9434d647-8dee-431c-8304-19a22faa2d39","product_code":"BR/SAYR20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":298.6,"premium_hospital_monthly":298.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCBR5"},{"product_item_id":"B96C6100-E07A-4615-9C16-7891F025187B","product_id":"4682edfc-dc7b-42bc-a362-646f930ee429","product_code":"BRP/SBGF20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":301,"premium_hospital_monthly":301,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCBRP7"},{"product_item_id":"99733EBE-3C24-4787-96ED-F455CABB7093","product_id":"a3edc094-e2d0-46af-aa43-9fb318287ade","product_code":"BRP/SBFD20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":311.8,"premium_hospital_monthly":311.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"SCBRP5"},{"product_item_id":"C4814C32-995D-44FE-836C-86959322F43E","product_id":"3ee5437a-4ee9-40fd-8e87-d7eb19ae5933","product_code":"BR/SAAH20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":323.5,"premium_hospital_monthly":323.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCBR"},{"product_item_id":"E100800D-0EAC-4F19-84FD-F9DD1A29B391","product_id":"5281b6ad-a98e-4605-be79-6010dba79122","product_code":"BRP/SAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":346.8,"premium_hospital_monthly":346.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCBRP"},{"product_item_id":"9376077D-62DA-4729-8B76-A0E891187931","product_id":"ee409cc7-c47e-4e67-b6a9-f316fa9c9c9d","product_code":"S1/SBCP20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":358.1,"premium_hospital_monthly":358.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCS7"},{"product_item_id":"8997408A-4B18-4EDB-A3A3-D6604B599288","product_id":"be0b2c46-35e2-4bc9-bb8f-b1934229deb8","product_code":"S1/SBBJ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":379,"premium_hospital_monthly":379,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCS5"},{"product_item_id":"57F22DAC-E7D2-4778-A7BE-7D963AC5858D","product_id":"42facdc7-b1e0-4d2f-8593-ca5e2a2bf91e","product_code":"S1/SAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":415.1,"premium_hospital_monthly":415.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCS"},{"product_item_id":"FAF8D06F-8B90-4EBD-8D25-3B1FFC87F3B7","product_id":"a7380aff-f81c-4f6e-b8aa-ee2aecd5fb68","product_code":"SP/SBJP20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":478.6,"premium_hospital_monthly":478.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCSP7"},{"product_item_id":"8B21CF54-94CD-42EA-974B-87D6C3F00FA3","product_id":"df8ec9fe-1b53-482c-b718-4c3603f3fad6","product_code":"SP/SBIN20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":512,"premium_hospital_monthly":512,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCSP5"},{"product_item_id":"84A8E4FD-172A-4E1E-B787-BDD4103A6332","product_id":"170e2d25-08ab-4a18-a380-19c2a73dbef2","product_code":"SP/SBHL20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"SA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":558.6,"premium_hospital_monthly":558.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SCSP2"},{"product_item_id":"EED61DA7-933D-45E7-B3F5-B232EEDEBF87","product_id":"9824cad7-14c5-479a-b466-a5962cd73bc5","product_code":"CG7/SCAE2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":261.1,"premium_hospital_monthly":182.8,"premium_extras_monthly":78.3,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"SFCG7"},{"product_item_id":"902CB47D-9E8F-4156-9812-C944181466C0","product_id":"8b044869-f9b0-410d-8c91-abea3041b264","product_code":"CBP7/SCBP2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":410.95,"premium_hospital_monthly":287.7,"premium_extras_monthly":123.25,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFCBP7"},{"product_item_id":"b941d6c1-4025-487c-bc51-16f76b197f1a","product_id":"753af110-509d-4491-afac-8cde9f8fb9c6","product_code":"CZM7/SCED2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":820.45,"premium_hospital_monthly":615.3,"premium_extras_monthly":205.15,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFCZM7"},{"product_item_id":"1232a386-b9d3-43d0-96f1-477fd5a35f92","product_id":"c86c5c18-e3ea-4a23-8833-abefa1e6a4ff","product_code":"CZA7/SCDA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":914.6,"premium_hospital_monthly":686,"premium_extras_monthly":228.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFCZA7"},{"product_item_id":"46709DC4-82F5-43A6-9A94-E62F76881502","product_id":"e5752eba-0064-46b8-a7f7-737f77fbf401","product_code":"GV/SBZI2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":227.2,"premium_hospital_monthly":227.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFGV7"},{"product_item_id":"ECC1221C-C534-4B52-8042-CB12F147BB53","product_id":"6057219c-d56f-4eca-bac9-144c7e756cc5","product_code":"GV/SBYW2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":231.5,"premium_hospital_monthly":231.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFGV"},{"product_item_id":"4A728B55-ADA5-43E4-AC4F-FCC56F949D8E","product_id":"b77ac0bb-a92e-42f7-b6ce-c81fb7553eda","product_code":"BR/SBDP2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":291.6,"premium_hospital_monthly":291.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFBR7"},{"product_item_id":"93226B24-E4FE-4AB9-95C6-C44F2C1781AC","product_id":"d8e1e424-4b8b-4e01-9bc7-34d28f37ee46","product_code":"BR/SAZQ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":298.6,"premium_hospital_monthly":298.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFBR5"},{"product_item_id":"43165B08-DA51-40BF-940F-3CF936F4C229","product_id":"418088c6-2cdd-4d04-ba36-db00d1e9f736","product_code":"BRP/SBGH2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":301,"premium_hospital_monthly":301,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFBRP7"},{"product_item_id":"87C9C3D6-1D32-4736-9A41-7FFF5F6D6445","product_id":"cb67fbe2-9a88-4463-aefc-7e753acb75db","product_code":"BRP/SBFF2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":311.8,"premium_hospital_monthly":311.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"SFBRP5"},{"product_item_id":"5D7A9614-815A-49BF-B223-4F59B8E28108","product_id":"773eded9-4f95-40d7-a8d5-8ebfb0b656a3","product_code":"BR/SAZD2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":323.5,"premium_hospital_monthly":323.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFBR"},{"product_item_id":"634D6E74-2598-4C22-9A87-3655F60D5FA1","product_id":"d32547d1-b533-42f0-a4fc-5fdcb268466f","product_code":"BRP/SBEL2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":346.8,"premium_hospital_monthly":346.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFBRP"},{"product_item_id":"D974190E-5361-4DF3-9E46-F0414DCD3B95","product_id":"44e39fcb-4a38-400d-9701-a963de4e80ae","product_code":"S1/SBCQ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":358.1,"premium_hospital_monthly":358.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFS7"},{"product_item_id":"9A4586DD-7D22-4AB2-B16C-86A74B4AFBDD","product_id":"f626ce6d-8dec-4906-8645-d6cec6a6710c","product_code":"S1/SBBK2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":379,"premium_hospital_monthly":379,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFS5"},{"product_item_id":"5542E43D-B477-46B9-9FE7-44F91FACFFC1","product_id":"abab9bc2-ee2e-46fd-8bb4-ef45aedf904d","product_code":"S1/SAAA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":415.1,"premium_hospital_monthly":415.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFS"},{"product_item_id":"B710B0B2-3A3B-4902-8461-F679BAEE3338","product_id":"348c63d5-3217-4ac4-88ce-31744413b125","product_code":"SP/SBJR2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":478.6,"premium_hospital_monthly":478.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFSP7"},{"product_item_id":"380D6BA3-353B-4DD6-9382-28C3D1D58FAD","product_id":"c5551e5e-7423-4a48-aadc-71002e0891cf","product_code":"SP/SBIP2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":512,"premium_hospital_monthly":512,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFSP5"},{"product_item_id":"6AEC2CFE-35C4-41F9-AEF5-49EA4C5B733B","product_id":"58f7741c-694b-4dfa-ad1f-34f15c143cd3","product_code":"SP/SBHN2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"SA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":558.6,"premium_hospital_monthly":558.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SFSP2"},{"product_item_id":"329048BB-CB14-41FE-B7DB-205E4B74A0B5","product_id":"979ff7bb-943c-4863-ac65-6145b3774147","product_code":"CG7/SCAG10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"basic","premium_monthly":130.55,"premium_hospital_monthly":91.4,"premium_extras_monthly":39.15,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"SSCG7"},{"product_item_id":"AA071730-2839-4D10-A5C2-BCC043E4475E","product_id":"22916485-e2f6-4e21-be1b-6734e339863b","product_code":"CBP7/SCBN10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":195.7,"premium_hospital_monthly":137,"premium_extras_monthly":58.7,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSCBP7"},{"product_item_id":"26E6F497-DEEF-4A5F-AB23-7A823BFF71D7","product_id":"7a4e2686-e083-4e35-b923-13010b37d420","product_code":"NM/SACI10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":307.75,"premium_hospital_monthly":234.7,"premium_extras_monthly":73.05,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"SSNM"},{"product_item_id":"3fee63c7-33e3-4847-a4dc-8356ab74f7a8","product_id":"44e87b5f-e271-4d58-9582-ee55bd55a13d","product_code":"CZM7/SCEF10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":610.3,"premium_hospital_monthly":457.7,"premium_extras_monthly":152.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSCZM7"},{"product_item_id":"358c9988-a1bf-4c12-8e9a-b27166c1e646","product_id":"aba5aec7-173d-45f1-a3c3-caa45ed8a041","product_code":"CZA7/SCDC10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":657.85,"premium_hospital_monthly":493.4,"premium_extras_monthly":164.45,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSCZA7"},{"product_item_id":"27CCDE89-7F84-43E0-80C7-BF668A143C5A","product_id":"adc8c64a-0252-42b5-b5b9-904947bc306a","product_code":"GV/SAXX10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":113.6,"premium_hospital_monthly":113.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSGV7"},{"product_item_id":"DE3C20CE-A9FD-46CD-B7BF-03F1BC8ABD3E","product_id":"3e82a912-d215-4b52-88b0-daebcb06a9c9","product_code":"GV/SACW10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":115.75,"premium_hospital_monthly":115.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSGV"},{"product_item_id":"C420E035-BA58-49EB-AA2A-38CFDDDA16B7","product_id":"22dc131a-bca3-43ce-b044-62c20d7d4082","product_code":"BR/SBDM10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":145.8,"premium_hospital_monthly":145.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSBR7"},{"product_item_id":"858AB6CC-E426-46BB-8D8C-84A9AF29A383","product_id":"144f72a7-0720-4f0a-b5b2-e05385d99533","product_code":"BR/SAYQ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":149.3,"premium_hospital_monthly":149.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSBR5"},{"product_item_id":"F8ECF96B-501D-47B7-BEA4-6F580896D4DC","product_id":"eec6c804-edb8-45de-83be-ae99c5365845","product_code":"BRP/SBGE10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":150.5,"premium_hospital_monthly":150.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSBRP7"},{"product_item_id":"1C9FD61B-947D-4A9C-844E-7D0B6C78CCA5","product_id":"af17fd0f-c517-42f4-80b3-76a809da62de","product_code":"BRP/SBFC10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":155.9,"premium_hospital_monthly":155.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"SSBRP5"},{"product_item_id":"0942A78A-17CC-4C74-8BFE-67F2F471D04E","product_id":"1b86cc85-6af5-4bcd-9253-78586be72d94","product_code":"BR/SAAG10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":161.75,"premium_hospital_monthly":161.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSBR"},{"product_item_id":"5F1EB881-21F5-4F43-B6F1-32AD179E3C4E","product_id":"cfada49e-e061-4ad2-ae91-a1504a6ae009","product_code":"BRP/SAAA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":173.4,"premium_hospital_monthly":173.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSBRP"},{"product_item_id":"CB3C4457-1777-43A1-9273-E1B5FD03F70B","product_id":"37034efc-edc6-45a8-a047-76febb7bb3e9","product_code":"S1/SBCR10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":179.05,"premium_hospital_monthly":179.05,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSS7"},{"product_item_id":"CFCE4951-B36D-4184-9501-F4F71380CE52","product_id":"95c102bb-5de8-400a-8eab-1f044a4aa578","product_code":"S1/SBBL10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":189.5,"premium_hospital_monthly":189.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSS5"},{"product_item_id":"63031960-02CB-4A01-A440-53400B7A2CCC","product_id":"577ec252-9e0c-42fa-83c4-c50204bc4b02","product_code":"S1/SABU10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":207.55,"premium_hospital_monthly":207.55,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSS"},{"product_item_id":"ACEEEB7B-2BD8-415D-B7CA-7D2AE2E0F26A","product_id":"80edca42-16c4-4883-a4f6-f846f2692e73","product_code":"SP/SBJO10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":239.3,"premium_hospital_monthly":239.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSSP7"},{"product_item_id":"F787C434-4672-46E8-8FAA-A371F4AD0CBB","product_id":"c0386973-5296-4399-854d-b25325224b39","product_code":"SP/SBIM10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":256,"premium_hospital_monthly":256,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSSP5"},{"product_item_id":"7377A1F6-C5CA-4075-B0AD-A79D54CA852D","product_id":"5450d426-bc89-4383-81e8-6b2d07b27399","product_code":"SP/SBHK10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"SA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":279.3,"premium_hospital_monthly":279.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SSSP2"},{"product_item_id":"3A2DE160-9F6A-4FD4-9E69-B3D12DF7D25E","product_id":"12eeb08e-a8fd-473b-8536-f427b37d2ff3","product_code":"CG7/SCAF1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":241.5,"premium_hospital_monthly":169.05,"premium_extras_monthly":72.45,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"SPCG7"},{"product_item_id":"2E797B41-9398-4882-8D55-EFFB736AC669","product_id":"e9e572b1-02bf-4712-aab3-3ba4dd379409","product_code":"CBP7/SCBQ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":362.05,"premium_hospital_monthly":253.45,"premium_extras_monthly":108.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPCBP7"},{"product_item_id":"19f9b22d-f0d4-4fd9-a5f1-7f9183d44b16","product_id":"5cbcdb27-9270-4e44-ae93-e9db84cd2eb9","product_code":"CZM7/SCEE1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":779.45,"premium_hospital_monthly":584.6,"premium_extras_monthly":194.85,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPCZM7"},{"product_item_id":"3414c304-d7b1-4ad9-9793-be8f699d6348","product_id":"2bac0a44-d9a3-4fec-bc6b-e4d5390af383","product_code":"CZA7/SCDB1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":868.85,"premium_hospital_monthly":651.6,"premium_extras_monthly":217.25,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPCZA7"},{"product_item_id":"4205AE78-CB5F-4FF3-98F1-6D594FD8906B","product_id":"bd50ef63-4a5e-4ca2-a97f-288308ecabd7","product_code":"GV/SBZJ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":193.1,"premium_hospital_monthly":193.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPGV7"},{"product_item_id":"380CB91F-A9DE-42C0-B140-3E1DDD4C7A4D","product_id":"2567d673-082f-4c3c-b0b0-9bc3d50520e3","product_code":"GV/SBYX1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":196.8,"premium_hospital_monthly":196.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPGV"},{"product_item_id":"DC1641A9-0291-4CB2-8926-A879245D1034","product_id":"17eaca48-792b-4885-a5f9-1990f74e43aa","product_code":"BR/SBDO1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":269.75,"premium_hospital_monthly":269.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPBR7"},{"product_item_id":"5BC715EC-631D-49DF-8A44-1137A035BA60","product_id":"2f8a36d9-1143-414b-a864-4979398e048f","product_code":"BR/SAZP1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":276.2,"premium_hospital_monthly":276.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPBR5"},{"product_item_id":"76748C2E-2C31-4EA1-B5CE-D786F9DFD79C","product_id":"6225c90e-e168-4f4f-bba2-575bd46d6030","product_code":"BRP/SBGG1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":278.45,"premium_hospital_monthly":278.45,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPBRP7"},{"product_item_id":"5BBDDB9F-9DEB-4679-9299-4BA0A32ECA92","product_id":"e506ff18-a85b-4509-b1e5-437e71fd3f11","product_code":"BRP/SBFE1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":289.1,"premium_hospital_monthly":289.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"SPBRP5"},{"product_item_id":"C293D972-17D2-412A-B0DF-C6A389C9EEE6","product_id":"dd2a4cea-8937-4fce-b564-de14e6c6d0f4","product_code":"BR/SAZC1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":299.6,"premium_hospital_monthly":299.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPBR"},{"product_item_id":"91DF5E56-E555-43A7-8BCB-C68A10FBCF53","product_id":"14237646-c68f-4336-9684-3064477f1d90","product_code":"BRP/SBEK1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":324.1,"premium_hospital_monthly":324.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPBRP"},{"product_item_id":"E6DCA3F7-127E-49DD-AFF3-BF48070D3C20","product_id":"0408cb87-da6c-4b75-be2c-a6475f594a84","product_code":"S1/SBCO1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":326.7,"premium_hospital_monthly":326.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPS7"},{"product_item_id":"07B46A1F-028D-4C05-9E00-B1D0C5F28411","product_id":"a33238f2-2465-4269-babb-0f0ba0f5586d","product_code":"S1/SBBI1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":350.55,"premium_hospital_monthly":350.55,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPS5"},{"product_item_id":"7F45BC1C-B430-4E8A-B170-5CDFA6BBC579","product_id":"67ba3dad-160d-4e76-92be-988908fbaf19","product_code":"S1/SAAA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":383.95,"premium_hospital_monthly":383.95,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPS"},{"product_item_id":"7C9E3934-B39E-4075-A6E0-E89ED123DB2E","product_id":"77bf06e5-7ee1-4eb0-806a-e775887fc37a","product_code":"SP/SBJQ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":430.75,"premium_hospital_monthly":430.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPSP7"},{"product_item_id":"C34F67CF-F426-44D0-8CF7-ACFB1C92694D","product_id":"b6481488-c5d5-4903-bf50-fb3ac45cde9b","product_code":"SP/SBIO1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":460.8,"premium_hospital_monthly":460.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPSP5"},{"product_item_id":"6204391A-B558-4073-A685-12865C260812","product_id":"d464a4f2-85f1-432c-8e9d-ef51359057b0","product_code":"SP/SBHM1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"SA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":516.7,"premium_hospital_monthly":516.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"SPSP2"},{"product_item_id":"D72C1E3C-EA19-475B-8AEE-1579163D7FD0","product_id":"8dae36bf-0bfb-4e18-8174-1c443bbe626e","product_code":"CG7/TCAH20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"basic","premium_monthly":265.8,"premium_hospital_monthly":186,"premium_extras_monthly":79.8,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"TCCG7"},{"product_item_id":"FFD4E25E-D556-4C06-96EE-C4AF7942D77B","product_id":"488e952d-f791-4922-a3ff-0fd85b122a00","product_code":"CBP7/TCBK20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":371.6,"premium_hospital_monthly":260.1,"premium_extras_monthly":111.5,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCCBP7"},{"product_item_id":"94FF48CD-78BB-4F16-A985-1CC33E810F6A","product_id":"7c25a610-53f0-4c51-aecc-10591a9036c6","product_code":"NM/TACD20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":625.5,"premium_hospital_monthly":485.75,"premium_extras_monthly":139.75,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"TCNM"},{"product_item_id":"8c764e0d-827c-4abb-a6ec-12985ab4e09a","product_id":"b2d3f83b-a475-4ff5-9a75-4d7c9858d69e","product_code":"CZM7/TCEG20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":815.95,"premium_hospital_monthly":612,"premium_extras_monthly":203.95,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCCZM7"},{"product_item_id":"e6465ade-07ed-4825-880a-2cbc35defe3a","product_id":"fbd8caab-7697-4f5b-8bb8-af683984eefc","product_code":"CZA7/TCDD20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":911.95,"premium_hospital_monthly":684,"premium_extras_monthly":227.95,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCCZA7"},{"product_item_id":"C8313FA6-ED42-4CD6-B1AB-3F4D4A5083B9","product_id":"ac50d4b4-0813-47d9-b6d1-30661e178aaf","product_code":"GV/TAXY20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":235,"premium_hospital_monthly":235,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCGV7"},{"product_item_id":"8E82ADBA-1D2C-4F1C-B6EC-EDA26689C94A","product_id":"9d8492a0-70f6-445e-a1ce-1055512413b1","product_code":"GV/TACS20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":249.8,"premium_hospital_monthly":249.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCGV"},{"product_item_id":"771F94B6-1E35-4CB7-9A9C-F632C9B8B91F","product_id":"59320008-6bb3-4a2f-87c5-4559531a83b2","product_code":"BR/TBDR20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":297,"premium_hospital_monthly":297,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCBR7"},{"product_item_id":"603FB7CB-863F-4E51-9259-05B93E30077A","product_id":"cb5bb796-0ad8-48ff-ba0b-d4a807fed0a9","product_code":"BRP/TBGJ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":299.8,"premium_hospital_monthly":299.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCBRP7"},{"product_item_id":"54589328-A05D-4392-806E-7B40FE1E29E3","product_id":"b0a28d74-a83a-4b0d-9fb2-66fedf630a73","product_code":"BR/TAYT20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":311,"premium_hospital_monthly":311,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCBR5"},{"product_item_id":"EC28E761-2EC5-4D2C-9851-F7AEC488048A","product_id":"d95307d1-38a6-40f7-9262-b77d830a8d8c","product_code":"BRP/TBFH20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":314,"premium_hospital_monthly":314,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"TCBRP5"},{"product_item_id":"F613BAF3-B6CC-48DB-B74D-321F600BA2B7","product_id":"7f227351-7900-4e76-b57c-6634ca86cb4f","product_code":"BR/TAAJ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":346.7,"premium_hospital_monthly":346.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCBR"},{"product_item_id":"79E74B59-8803-4700-A140-934B1ACD5430","product_id":"5558a1fb-4a57-4d69-aa13-3c16536f37bb","product_code":"BRP/TAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":364,"premium_hospital_monthly":364,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCBRP"},{"product_item_id":"6AA6EEDE-DFC6-4850-BCAE-9F2D97BE8CBF","product_id":"b6080db5-d9f3-4eb6-9e6f-20e6b1a27e8b","product_code":"S1/TBCT20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":383,"premium_hospital_monthly":383,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCS7"},{"product_item_id":"0A658D68-F9F9-4F1F-B18A-563E8B3E4BA4","product_id":"0b23e482-1777-4917-8406-8f40968f7f6f","product_code":"S1/TBBN20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":404.9,"premium_hospital_monthly":404.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCS5"},{"product_item_id":"D39C33AB-C7E2-42EC-8598-0439F4507C2F","product_id":"c0307982-b589-4ca2-9086-fd8b5b95848f","product_code":"S1/TAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":441,"premium_hospital_monthly":441,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCS"},{"product_item_id":"D3FEE5C3-C5CD-4672-839A-1AC2AEC36BFA","product_id":"64c374fe-d4df-49a1-b7a4-a4bbbe1d877b","product_code":"SP/TBJT20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":508.3,"premium_hospital_monthly":508.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCSP7"},{"product_item_id":"B06BD458-4FEF-4285-9890-D5051D589A99","product_id":"71bd04e3-7bef-4765-b766-bd35da34e9ff","product_code":"SP/TBIR20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":519.1,"premium_hospital_monthly":519.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCSP5"},{"product_item_id":"D4FA0978-D811-45BE-8F70-841555F62F28","product_id":"73bd36d6-6f89-48a7-ac8e-1a249405b1f7","product_code":"SP/TBHP20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"TAS","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":558,"premium_hospital_monthly":558,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TCSP2"},{"product_item_id":"7EE1BDC0-7301-496C-921C-D7650AEA73BE","product_id":"b5907a12-1d20-4eae-9d39-0131b7de74f1","product_code":"CG7/TCAI2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":265.8,"premium_hospital_monthly":186,"premium_extras_monthly":79.8,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"TFCG7"},{"product_item_id":"FE5F27B8-AD7D-4C41-B279-BF7D55E2ED32","product_id":"c3efeb33-2fdb-435e-819c-0e621ab5e5d4","product_code":"CBP7/TCBL2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":390.2,"premium_hospital_monthly":273.1,"premium_extras_monthly":117.1,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFCBP7"},{"product_item_id":"f7a82054-b6d2-47da-a086-1c2497adc021","product_id":"50129406-045d-491a-aad5-be436c4ad656","product_code":"CZM7/TCEH2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":815.95,"premium_hospital_monthly":612,"premium_extras_monthly":203.95,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFCZM7"},{"product_item_id":"a76e61df-604f-4dcc-ace7-26f869f8739c","product_id":"8889f8d6-631a-4c98-b0ff-958542c7dbdf","product_code":"CZA7/TCDE2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":911.95,"premium_hospital_monthly":684,"premium_extras_monthly":227.95,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFCZA7"},{"product_item_id":"0D3B775B-3DBF-4CDB-AFB5-5ED2CF364D4B","product_id":"557b0283-46f6-4066-b493-de8fc50e3a10","product_code":"GV/TBZK2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":235,"premium_hospital_monthly":235,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFGV7"},{"product_item_id":"F8AF1892-DA5B-42AA-B1B9-7F2816E56D73","product_id":"9d5febe3-d8ae-4963-a658-a16f638ccce1","product_code":"GV/TBYY2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":249.8,"premium_hospital_monthly":249.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFGV"},{"product_item_id":"461D53AC-7EA4-445D-93A1-4D3A2C06EF29","product_id":"e9372549-2f27-4f14-ac8e-adc48341816f","product_code":"BR/TBDT2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":297,"premium_hospital_monthly":297,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFBR7"},{"product_item_id":"27AC0763-2E7E-415D-8D3D-143CEA28FCC4","product_id":"7270f6f0-b050-4d8e-b8a5-7e8bd9dd26a5","product_code":"BRP/TBGL2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":299.8,"premium_hospital_monthly":299.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFBRP7"},{"product_item_id":"F23EE257-F3F6-42AC-B22F-14A6D560D59A","product_id":"95d1ea5e-4c72-40c8-b001-a4ff9d95de6f","product_code":"BR/TAZT2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":311,"premium_hospital_monthly":311,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFBR5"},{"product_item_id":"CFEAC6AD-407D-43AB-A507-8B505463D077","product_id":"73f7fe59-adc5-42b1-ac92-2568c979931f","product_code":"BRP/TBFJ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":314,"premium_hospital_monthly":314,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"TFBRP5"},{"product_item_id":"4623597B-B42C-4232-9F02-E6FA39CC113D","product_id":"f9856179-8865-42e0-858f-3413d2041749","product_code":"BR/TAZF2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":346.7,"premium_hospital_monthly":346.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFBR"},{"product_item_id":"0B8A4F1E-420B-4F50-89E9-ED42DFB55C1E","product_id":"39fcf226-1c1a-4212-b5ea-cad1e1c37cf3","product_code":"BRP/TBEN2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":364,"premium_hospital_monthly":364,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFBRP"},{"product_item_id":"C67D32FD-95E6-4ABA-A0EF-391C9FF946D5","product_id":"dc9588ca-0ca7-49e1-b5c1-198512c243c8","product_code":"S1/TBCU2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":383,"premium_hospital_monthly":383,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFS7"},{"product_item_id":"130F8BBC-882E-4C5D-BED7-2AF1D92C0320","product_id":"d4301870-2b19-4885-8a09-a44a9003abd4","product_code":"S1/TBBO2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":404.9,"premium_hospital_monthly":404.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFS5"},{"product_item_id":"7D913214-F36D-4CEB-A0ED-27D0B0EEADDD","product_id":"d25a72f3-5265-478b-ab3f-72641e85c596","product_code":"S1/TAAA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":441,"premium_hospital_monthly":441,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFS"},{"product_item_id":"FC387399-4518-484B-9ED9-04662283C146","product_id":"514e8475-4045-4961-a9ea-c49044f439ef","product_code":"SP/TBJV2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":508.3,"premium_hospital_monthly":508.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFSP7"},{"product_item_id":"8045437E-7D07-4546-9830-4998F63BA83D","product_id":"a0e85eeb-5f9e-408c-8cdd-6a9cdda43e75","product_code":"SP/TBIT2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":519.1,"premium_hospital_monthly":519.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFSP5"},{"product_item_id":"D5FF52E0-687F-4969-A5F6-92FB2837AB5F","product_id":"19a9c033-a946-48e6-962f-953443567114","product_code":"SP/TBHR2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"TAS","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":558,"premium_hospital_monthly":558,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TFSP2"},{"product_item_id":"8A99C777-DD01-4AC2-B858-CD35DEF4A63A","product_id":"3b527a74-0ebd-403e-aa50-fa28a4cc130d","product_code":"CG7/TCAK10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"basic","premium_monthly":132.9,"premium_hospital_monthly":93,"premium_extras_monthly":39.9,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"TSCG7"},{"product_item_id":"93F3C533-3F29-40EB-ACEE-5E677C1D9B0D","product_id":"74a6006b-28d4-40fd-bd42-f1764ac118b3","product_code":"CBP7/TCBJ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":185.8,"premium_hospital_monthly":130.05,"premium_extras_monthly":55.75,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSCBP7"},{"product_item_id":"B6872D3B-5014-49E3-95F7-A09E1076EBD9","product_id":"0732c311-efe5-49c7-a3a3-a0e373a150f8","product_code":"NM/TACJ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":329.2,"premium_hospital_monthly":255.65,"premium_extras_monthly":73.55,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"TSNM"},{"product_item_id":"8e2e0963-7eeb-496a-bb8b-caee12553a70","product_id":"45b31068-2339-4302-a689-92727de3c9c7","product_code":"CZM7/TCEJ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":606.95,"premium_hospital_monthly":455.2,"premium_extras_monthly":151.75,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSCZM7"},{"product_item_id":"24c09b3e-d262-41d4-b13d-524108fad9fd","product_id":"96fb792c-136e-4a5a-91b1-3824eb5799cb","product_code":"CZA7/TCDG10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":655.95,"premium_hospital_monthly":492,"premium_extras_monthly":163.95,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSCZA7"},{"product_item_id":"1C23C078-CCEE-4DEC-8E21-794449009F42","product_id":"b15529ff-2575-4cb3-bcc5-5bd8c77a3e7a","product_code":"GV/TAXZ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":117.5,"premium_hospital_monthly":117.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSGV7"},{"product_item_id":"B73821F0-F9A7-48F5-ACD4-7EF3E245E20B","product_id":"5c439e9b-e09a-4cec-b72e-7291f5f8070d","product_code":"GV/TACX10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":124.9,"premium_hospital_monthly":124.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSGV"},{"product_item_id":"65741F09-D933-4283-A2C8-278A6ED7BEB6","product_id":"e859061c-1cad-4518-9ba5-7dbaf6546c34","product_code":"BR/TBDQ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":148.5,"premium_hospital_monthly":148.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSBR7"},{"product_item_id":"F11020E8-30EB-4750-A3BD-058FA4EC9355","product_id":"d1361708-c92c-4544-879c-7979572c7877","product_code":"BRP/TBGI10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":149.9,"premium_hospital_monthly":149.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSBRP7"},{"product_item_id":"E401383B-203E-4E78-89F1-1FF61C4817B8","product_id":"0ed77ecc-f73f-472e-bd4a-4f6d907ca564","product_code":"BR/TAYS10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":155.5,"premium_hospital_monthly":155.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSBR5"},{"product_item_id":"FFD65D94-186F-4464-9BD7-EAF1E359352B","product_id":"c5f98e82-6ffe-4fed-abab-504c8b3ee95e","product_code":"BRP/TBFG10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":157,"premium_hospital_monthly":157,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"TSBRP5"},{"product_item_id":"BF5542C8-CF0B-4D96-B79B-B99744AEB6F8","product_id":"2a407c71-6454-4d0a-b55f-33d6def713f3","product_code":"BR/TAAI10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":173.35,"premium_hospital_monthly":173.35,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSBR"},{"product_item_id":"367DA9BC-B29E-4AEC-BBAD-E96B5FD8AC57","product_id":"d2d88be3-64e8-46d6-b1fe-bbd5e6f5636c","product_code":"BRP/TAAA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":182,"premium_hospital_monthly":182,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSBRP"},{"product_item_id":"1559B242-2106-43EB-A474-0FF6B5FEB67C","product_id":"46b209fc-8440-40d2-98ee-e31147bf18d1","product_code":"S1/TBCV10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":191.5,"premium_hospital_monthly":191.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSS7"},{"product_item_id":"A8B77DA8-9EDA-4DD5-9674-4995ECD72DD0","product_id":"5f2e7d9d-3d7e-487a-819e-31560f0ce8ca","product_code":"S1/TBBP10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":202.45,"premium_hospital_monthly":202.45,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSS5"},{"product_item_id":"C77DACAF-01B7-4C45-B9C2-D1BC7F344207","product_id":"db63f4aa-5a05-4535-b197-bff952b8f038","product_code":"S1/TABV10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":220.5,"premium_hospital_monthly":220.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSS"},{"product_item_id":"FD19D23A-2728-467D-84EC-629A88A3F60D","product_id":"3a99fc02-9c54-4c54-9442-e1d61deae70d","product_code":"SP/TBJS10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":254.15,"premium_hospital_monthly":254.15,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSSP7"},{"product_item_id":"D1CDCC93-000E-4885-9CBA-08547C125165","product_id":"329e50ff-dbd5-44e9-bbac-2e7a32a481d7","product_code":"SP/TBIQ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":259.55,"premium_hospital_monthly":259.55,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSSP5"},{"product_item_id":"359E6F63-C194-4D3F-8968-63A89A830335","product_id":"b3b2ff73-6c51-4d5d-8690-4553da2e3afe","product_code":"SP/TBHO10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"TAS","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":279,"premium_hospital_monthly":279,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TSSP2"},{"product_item_id":"052BC29C-33AE-4829-B7E8-04A30BA66DF9","product_id":"71300837-7f50-4960-93b4-5273e2b50fdc","product_code":"CG7/TCAJ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":245.85,"premium_hospital_monthly":172.05,"premium_extras_monthly":73.8,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"TPCG7"},{"product_item_id":"BAC9E129-146C-4B1C-A5E7-6183B67DC636","product_id":"3becdb50-1f99-4268-986d-d961580d2746","product_code":"CBP7/TCBM1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":343.75,"premium_hospital_monthly":240.6,"premium_extras_monthly":103.15,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPCBP7"},{"product_item_id":"bb66df21-b38e-4079-80a4-2ea6bccb3079","product_id":"cbf00a8c-f75d-4509-b7d9-31d0a27b2cbd","product_code":"CZM7/TCEI1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":775.2,"premium_hospital_monthly":581.4,"premium_extras_monthly":193.8,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPCZM7"},{"product_item_id":"8e35ac30-8059-4bbf-850e-f067a22a13c5","product_id":"dab29d96-513a-4ffe-b078-03ec95f22763","product_code":"CZA7/TCDF1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":866.3,"premium_hospital_monthly":649.7,"premium_extras_monthly":216.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPCZA7"},{"product_item_id":"8CCFF0B3-393C-4AFC-A688-B8B45B73C97E","product_id":"45b1bde6-af31-4eed-908f-b7aa42de6884","product_code":"GV/TBZL1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":199.75,"premium_hospital_monthly":199.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPGV7"},{"product_item_id":"2AAA6CB4-171F-458E-A6A4-A38E873D50B1","product_id":"eb7af980-16a3-4496-a905-94d469e86896","product_code":"GV/TBYZ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":212.35,"premium_hospital_monthly":212.35,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPGV"},{"product_item_id":"45B75441-75AD-4BCF-AF27-1B4F32E09288","product_id":"e1fcf612-5706-4f49-8fc3-518ca41bc8b3","product_code":"BR/TBDS1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":274.75,"premium_hospital_monthly":274.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPBR7"},{"product_item_id":"9767C15B-9BDB-4807-9536-90405E1328E7","product_id":"d37a7bc3-d33b-4051-890f-8d906d1f902b","product_code":"BRP/TBGK1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":277.3,"premium_hospital_monthly":277.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPBRP7"},{"product_item_id":"53FC5E3F-AA60-4060-84E7-855FDE115412","product_id":"c0efaede-2193-4629-8c57-a99734b900a6","product_code":"BR/TAZR1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":288.3,"premium_hospital_monthly":288.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPBR5"},{"product_item_id":"96E2CA3F-5C49-4E87-9A4F-E2DAD59820C5","product_id":"20538c9d-7a95-446d-ab8e-2819f5f4e18e","product_code":"BRP/TBFI1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":290.45,"premium_hospital_monthly":290.45,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"TPBRP5"},{"product_item_id":"32B38B78-EEA4-4300-96D0-544FE07F0FA4","product_id":"f0dc7da7-1b93-4c3e-b5e7-a1350db66cab","product_code":"BR/TAZE1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":324,"premium_hospital_monthly":324,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPBR"},{"product_item_id":"65D13421-6414-468B-A674-E8E5291C83DE","product_id":"8a050512-da61-4221-96dd-c083438cd59c","product_code":"BRP/TBEM1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":340.2,"premium_hospital_monthly":340.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPBRP"},{"product_item_id":"6FE70353-FD18-44B0-A1FB-165D96FBC370","product_id":"ec74803d-3aba-4a9f-a59e-6f16b03328df","product_code":"S1/TBCS1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":344.7,"premium_hospital_monthly":344.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPS7"},{"product_item_id":"BC66D4A0-9EE4-433D-9511-F86473068C7D","product_id":"f2e9fc62-c2b0-40ff-a1df-623c6527635b","product_code":"S1/TBBM1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":374.55,"premium_hospital_monthly":374.55,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPS5"},{"product_item_id":"65176EF9-0779-4CAB-9DC5-325B24B9D452","product_id":"307625e6-e6d3-4124-be4c-df029f41e95e","product_code":"S1/TAAA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":407.95,"premium_hospital_monthly":407.95,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPS"},{"product_item_id":"298A6448-1876-44C0-9999-117CF34BC83F","product_id":"e85786b6-3845-4738-acea-b8ff470b7017","product_code":"SP/TBJU1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":462.2,"premium_hospital_monthly":462.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPSP7"},{"product_item_id":"B7ECB053-3D0E-4FA1-9085-A9605F10A835","product_id":"754446f8-20db-4d22-95cb-adfd514efe1a","product_code":"SP/TBIS1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":473,"premium_hospital_monthly":473,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPSP5"},{"product_item_id":"9518F2BA-556F-4469-949A-FB7524FAFE46","product_id":"6e6db23a-b755-4ce9-bd0a-c73a81c88340","product_code":"SP/TBHQ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"TAS","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":516.15,"premium_hospital_monthly":516.15,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"TPSP2"},{"product_item_id":"868BAE3D-6071-47DF-AF2B-51BF67BF1A8A","product_id":"af0fbc04-2103-4490-887e-4364c119ca4f","product_code":"CG7/VCAL20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"basic","premium_monthly":273.9,"premium_hospital_monthly":191.7,"premium_extras_monthly":82.2,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"VCCG7"},{"product_item_id":"D5881B2B-BE32-4EEE-92A2-BE286BF141B5","product_id":"223f1b75-b8c2-4fcd-a445-4e7bd5127669","product_code":"CBP7/VCBC20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":395.2,"premium_hospital_monthly":276.7,"premium_extras_monthly":118.5,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCCBP7"},{"product_item_id":"CE667442-E689-4F70-90C7-F3D23466E0F9","product_id":"ae27b39e-3610-4993-b71e-abf4738d7ceb","product_code":"NM/VACE20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":641.65,"premium_hospital_monthly":498.3,"premium_extras_monthly":143.35,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"VCNM"},{"product_item_id":"b016af81-8d5b-46f8-ab7b-7ea654ec4999","product_id":"5ea119b0-fda1-477d-b7c9-44460f442337","product_code":"CZM7/VCEK20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":926.7,"premium_hospital_monthly":695,"premium_extras_monthly":231.7,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCCZM7"},{"product_item_id":"a02254d9-d2d0-4c0a-ad43-d3b2e1fb1ad1","product_id":"a2258933-726d-463b-b240-d93c7d00c048","product_code":"CZA7/VCDH20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":1030.85,"premium_hospital_monthly":773.1,"premium_extras_monthly":257.75,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCCZA7"},{"product_item_id":"C076313A-D46B-4E90-AE8F-D29736287AFE","product_id":"c114f240-e0be-440c-9929-d85ad24b4845","product_code":"GV/VAYA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":241.2,"premium_hospital_monthly":241.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCGV7"},{"product_item_id":"22696B7D-B107-4255-A738-0CB1BAECB3CC","product_id":"7241b637-75ba-4b55-916f-e4965b343d50","product_code":"GV/VACT20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":247.8,"premium_hospital_monthly":247.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCGV"},{"product_item_id":"BE74099F-6D1B-4EEE-A332-230D8D0BA246","product_id":"a7d2ec69-e11e-4f26-a7ee-3d55f3d90f98","product_code":"BR/VBDV20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":299.8,"premium_hospital_monthly":299.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCBR7"},{"product_item_id":"72CA8706-43A3-4292-A244-2559D773B946","product_id":"dccadb7a-2348-441b-8289-6bf00640b591","product_code":"BRP/VBGN20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":304.3,"premium_hospital_monthly":304.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCBRP7"},{"product_item_id":"43867A17-3DD4-4E4A-97E2-9182119C0146","product_id":"30a3c8d2-4cfb-4df6-8fc6-4f757ce3aca8","product_code":"BR/VAYV20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":315.5,"premium_hospital_monthly":315.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCBR5"},{"product_item_id":"DABC6095-B817-4D0B-B8BA-7C169AE904FE","product_id":"3387a5e9-c6b3-4a49-a11c-f3172852e482","product_code":"BRP/VBFL20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":318.5,"premium_hospital_monthly":318.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"VCBRP5"},{"product_item_id":"E05268A5-F391-493F-89F5-8239978E362C","product_id":"c6b5deb7-7e12-47f2-9638-01dfd1646770","product_code":"BR/VAAL20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":339.3,"premium_hospital_monthly":339.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCBR"},{"product_item_id":"0E6DA308-4E57-4622-99E4-2CA28D35EA93","product_id":"fcab0f85-7bbb-4f31-8dbb-56157c009cf0","product_code":"BRP/VAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":352,"premium_hospital_monthly":352,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCBRP"},{"product_item_id":"6C208BD6-7DCB-419D-B8A7-C7A55F05D8CA","product_id":"12f6128a-809d-42e7-b73e-c1082f01ad93","product_code":"S1/VBCX20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":375.8,"premium_hospital_monthly":375.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCS7"},{"product_item_id":"D5853EEB-7AC3-43F7-87B2-D44C12A9D99E","product_id":"c4c09e6a-bc42-401e-9136-35a61babfb3b","product_code":"S1/VBBR20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":404.7,"premium_hospital_monthly":404.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCS5"},{"product_item_id":"19E04103-C75F-4574-AAA1-4E436D864058","product_id":"511b87ad-7028-4039-8314-134dc5bbb4d3","product_code":"S1/VAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":446.9,"premium_hospital_monthly":446.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCS"},{"product_item_id":"8D523C18-55EE-4001-B6F9-C5A887BCCBD8","product_id":"2defe17c-b11d-436c-aed3-108e52d1c4f2","product_code":"SP/VBJX20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":543.3,"premium_hospital_monthly":543.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCSP7"},{"product_item_id":"5EE574DC-04D1-4B20-86F6-276EB3A776CC","product_id":"c303ba63-4f71-42ee-b046-2f6d2c625f7c","product_code":"SP/VBIV20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":581.9,"premium_hospital_monthly":581.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCSP5"},{"product_item_id":"9DD2A698-5A64-4427-9183-64FCD63A37D7","product_id":"6277a5d5-d45c-4e62-8620-bcc1a5915eeb","product_code":"SP/VBHT20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"VIC","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":631.6,"premium_hospital_monthly":631.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VCSP2"},{"product_item_id":"AA2E18D4-51D2-41EF-A687-5C559FFBE182","product_id":"5670b090-247b-441f-88a0-062bbb08f955","product_code":"CG7/VCAM2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":273.9,"premium_hospital_monthly":191.7,"premium_extras_monthly":82.2,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"VFCG7"},{"product_item_id":"5EDE757E-FA3C-4A9C-8B42-AA59AB17FD88","product_id":"94f2e3d2-e7f4-4e10-a322-7a730594d80a","product_code":"CBP7/VCBD2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":414.95,"premium_hospital_monthly":290.5,"premium_extras_monthly":124.45,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFCBP7"},{"product_item_id":"e395793a-d5c3-4fea-b408-a704d42dcb0f","product_id":"97b01284-e0fd-42c2-a291-6f8375321845","product_code":"CZM7/VCEL2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":926.7,"premium_hospital_monthly":695,"premium_extras_monthly":231.7,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFCZM7"},{"product_item_id":"1d4b7c1b-cf3b-4c6a-9dbd-43753c7e129a","product_id":"1a9a68e4-f679-4e92-ad9d-913a622672d5","product_code":"CZA7/VCDI2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":1030.85,"premium_hospital_monthly":773.1,"premium_extras_monthly":257.75,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFCZA7"},{"product_item_id":"2D673853-13B1-498E-BA5E-8FFD481BAF91","product_id":"0dfd10db-8f98-421f-804f-bec489153f0e","product_code":"GV/VBZM2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":241.2,"premium_hospital_monthly":241.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFGV7"},{"product_item_id":"7B9CDA15-98D6-4EB0-B276-720A7D622150","product_id":"269df575-433b-432a-82bf-50fa6683b198","product_code":"GV/VBZA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":247.8,"premium_hospital_monthly":247.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFGV"},{"product_item_id":"3E0B04E7-5389-4504-9489-41C59DC7E2C8","product_id":"6bca9c3f-1037-4913-b645-bf49b35d9418","product_code":"BR/VBDX2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":299.8,"premium_hospital_monthly":299.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFBR7"},{"product_item_id":"B9E00D2B-7285-435C-A7CC-9F15660DF2F2","product_id":"3a817579-c68c-4b38-a1a9-5dce4a28f560","product_code":"BRP/VBGP2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":304.3,"premium_hospital_monthly":304.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFBRP7"},{"product_item_id":"971B2712-BACE-4177-AB4D-31081C6E3CA2","product_id":"ccff0a7d-d462-4b92-bab3-6693e1755251","product_code":"BR/VAZV2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":315.5,"premium_hospital_monthly":315.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFBR5"},{"product_item_id":"ACCC09F6-8561-4B56-B114-4751AAC89706","product_id":"331309b8-19e7-477e-8f06-7372c4d790b8","product_code":"BRP/VBFN2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":318.5,"premium_hospital_monthly":318.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"VFBRP5"},{"product_item_id":"F536801D-C104-4B1C-80AD-E4D31AF1B127","product_id":"e25ff37b-dda4-4039-8196-386f046d547c","product_code":"BR/VAZH2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":339.3,"premium_hospital_monthly":339.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFBR"},{"product_item_id":"E8BD7A1E-DEAE-4260-AA16-F7EAB46141C9","product_id":"1c129dd0-17fa-4476-ac26-9484ee84cde4","product_code":"BRP/VBEP2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":352,"premium_hospital_monthly":352,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFBRP"},{"product_item_id":"28D963C1-25F0-4046-8189-E4B3AD472418","product_id":"de219fab-c000-4b69-ade5-b80727f709e4","product_code":"S1/VBCY2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":375.8,"premium_hospital_monthly":375.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFS7"},{"product_item_id":"B4ED73B3-5142-4D79-A192-0F8728D28DC9","product_id":"5f913247-ea43-4b61-8615-8cee40ee1e55","product_code":"S1/VBBS2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":404.7,"premium_hospital_monthly":404.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFS5"},{"product_item_id":"7B822A3B-1A61-452F-BA57-A63022574B1B","product_id":"df79d0d2-1e8b-4dba-a08d-e4048cfee897","product_code":"S1/VAAA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":446.9,"premium_hospital_monthly":446.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFS"},{"product_item_id":"12A65DB0-9A85-47AB-B4A2-7B418057637B","product_id":"e85f460f-1cd7-4457-8b11-3fd26a6a379f","product_code":"SP/VBJZ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":543.3,"premium_hospital_monthly":543.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFSP7"},{"product_item_id":"55CA4554-832D-49F3-8108-C62288768188","product_id":"4da724dc-a3e1-4921-aa28-a29b8547bffe","product_code":"SP/VBIX2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":581.9,"premium_hospital_monthly":581.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFSP5"},{"product_item_id":"D79D2256-2865-4DB7-AB3F-9E6948B56366","product_id":"aed7b946-b752-4009-8ffa-e6079d5a92db","product_code":"SP/VBHV2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"VIC","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":631.6,"premium_hospital_monthly":631.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VFSP2"},{"product_item_id":"EFF04004-2AEF-4E51-B45B-93DAC6DBDEBD","product_id":"21ff646f-2964-47bf-a780-54589fc27416","product_code":"CG7/VCAO10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"basic","premium_monthly":136.95,"premium_hospital_monthly":95.85,"premium_extras_monthly":41.1,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"VSCG7"},{"product_item_id":"6E5405AA-1EC9-470C-B361-1D0645036A13","product_id":"d7369124-8ee1-4e8a-88e5-b6393e5249c6","product_code":"CBP7/VCBB10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":197.6,"premium_hospital_monthly":138.35,"premium_extras_monthly":59.25,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSCBP7"},{"product_item_id":"B8AA5C94-CCDF-42EB-BB27-F691741695A7","product_id":"9550d4cc-a723-4ce6-a39f-7371d14dc92d","product_code":"NM/VACK10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":337.7,"premium_hospital_monthly":262.25,"premium_extras_monthly":75.45,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"VSNM"},{"product_item_id":"510fac4b-52fa-4962-9e9d-0e608e93a15a","product_id":"4bba5425-557c-4ef3-8b30-48e21a2ba417","product_code":"CZM7/VCEN10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":712.3,"premium_hospital_monthly":534.2,"premium_extras_monthly":178.1,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSCZM7"},{"product_item_id":"253fc648-9758-47cf-b344-2738ae3f94ff","product_id":"57241fea-1f1b-4a43-a4be-e5fc42f09568","product_code":"CZA7/VCDK10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":757.65,"premium_hospital_monthly":568.2,"premium_extras_monthly":189.45,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSCZA7"},{"product_item_id":"EE84C4FA-2520-4D51-8006-10C356D80D23","product_id":"c8e12eb3-8149-425d-82dd-55c1427e0787","product_code":"GV/VAYB10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":120.6,"premium_hospital_monthly":120.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSGV7"},{"product_item_id":"BCA80F2C-5284-4640-A5EA-FEB038CD9982","product_id":"4bc98130-4c78-4e43-bb0f-becf0c82d93e","product_code":"GV/VACY10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":123.9,"premium_hospital_monthly":123.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSGV"},{"product_item_id":"8CE99C25-7A2F-4803-8F99-77E01A71B50A","product_id":"91a74428-8fd7-45f8-b482-e830a46b9b1f","product_code":"BR/VBDU10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":149.9,"premium_hospital_monthly":149.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSBR7"},{"product_item_id":"413C5555-4464-4702-BA03-7EBA6EA69529","product_id":"6f202379-6d07-4d1c-98cd-396423792313","product_code":"BRP/VBGM10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":152.15,"premium_hospital_monthly":152.15,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSBRP7"},{"product_item_id":"7B7F1FED-D9E7-43A3-A47F-E75610EB7A74","product_id":"e23c7776-c925-44c1-85ca-40d6880aa7f9","product_code":"BR/VAYU10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":157.75,"premium_hospital_monthly":157.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSBR5"},{"product_item_id":"E8E982BE-BFDB-4EF2-B50F-EE9F2B2F415C","product_id":"961a2967-9e54-442f-920e-3341434491c4","product_code":"BRP/VBFK10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":159.25,"premium_hospital_monthly":159.25,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"VSBRP5"},{"product_item_id":"9A1DB71B-234F-44CB-9437-185E8FBBB6B4","product_id":"7b4e6deb-ca1f-41e2-b3ad-782dcfb6d855","product_code":"BR/VAAK10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":169.65,"premium_hospital_monthly":169.65,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSBR"},{"product_item_id":"C20194A4-3BAE-406F-B4ED-78468E106496","product_id":"1eac530c-45c4-4244-a7c7-0add62347817","product_code":"BRP/VAAA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":176,"premium_hospital_monthly":176,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSBRP"},{"product_item_id":"1D8923F4-2A0F-485A-9A7A-2019F5130DCE","product_id":"56d18006-c38a-42da-9cc2-10d33f21b627","product_code":"S1/VBCZ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":187.9,"premium_hospital_monthly":187.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSS7"},{"product_item_id":"DBB19985-009F-42D4-8E0D-48DA2AD69E80","product_id":"97755a0f-67c0-434a-bf66-b22774e9358b","product_code":"S1/VBBT10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":202.35,"premium_hospital_monthly":202.35,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSS5"},{"product_item_id":"0C576CB1-F442-4583-AA05-5092D1E3B950","product_id":"f11315c1-d4b9-439f-8f85-39be47472903","product_code":"S1/VABW10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":223.45,"premium_hospital_monthly":223.45,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSS"},{"product_item_id":"6654B7B1-88E7-40E1-A960-F0C64B48D3C0","product_id":"47febae1-774e-4d53-9bbb-135152a45390","product_code":"SP/VBJW10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":271.65,"premium_hospital_monthly":271.65,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSSP7"},{"product_item_id":"3091FD4A-F964-4341-8FA3-577F63634B69","product_id":"ca06ec13-785b-45ef-8ccd-6d8f1fe8741e","product_code":"SP/VBIU10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":290.95,"premium_hospital_monthly":290.95,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSSP5"},{"product_item_id":"DFCAEC93-4AF2-4E6A-A0AE-5499C92EF6A0","product_id":"bbb2247c-6a0f-448b-b4c8-29f281a375c5","product_code":"SP/VBHS10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"VIC","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":315.8,"premium_hospital_monthly":315.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VSSP2"},{"product_item_id":"F99F6C39-2E67-4D3B-95A4-D2CB2F3F64DB","product_id":"bbc55b00-305d-49ce-8703-acf933a1b386","product_code":"CG7/VCAN1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":253.35,"premium_hospital_monthly":177.3,"premium_extras_monthly":76.05,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"VPCG7"},{"product_item_id":"8D4AF1CC-C5FD-425F-9755-3DA82EB212C5","product_id":"f1df69cb-c328-4015-911d-3b6881b6a831","product_code":"CBP7/VCBE1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":365.55,"premium_hospital_monthly":255.95,"premium_extras_monthly":109.6,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPCBP7"},{"product_item_id":"170c5a39-9ca3-403f-8e9c-88cbdf8fc3bd","product_id":"a0586eb7-065b-43c5-b055-22250cb0cf00","product_code":"CZM7/VCEM1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":880.35,"premium_hospital_monthly":660.3,"premium_extras_monthly":220.05,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPCZM7"},{"product_item_id":"93d8d8c1-e9db-4cfb-82b9-ac35a2070523","product_id":"dfb3322e-a909-470b-ba2c-3d10feed7b93","product_code":"CZA7/VCDJ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":979.35,"premium_hospital_monthly":734.5,"premium_extras_monthly":244.85,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPCZA7"},{"product_item_id":"993B89FE-246D-4FC3-9260-DC447A548C4D","product_id":"e71dac30-7285-4c0e-925d-39b2f391cf89","product_code":"GV/VBZN1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":205,"premium_hospital_monthly":205,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPGV7"},{"product_item_id":"608FC6C6-CF20-4A39-9633-22F7D81D8C0B","product_id":"23cf16db-a2ef-4200-90f3-28e1a7ddaa8f","product_code":"GV/VBZB1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":210.65,"premium_hospital_monthly":210.65,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPGV"},{"product_item_id":"FEDC7076-A1A4-4653-A915-F1D35036FD38","product_id":"732ac840-7dde-4454-924a-e6c76ca7fe39","product_code":"BR/VBDW1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":277.3,"premium_hospital_monthly":277.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPBR7"},{"product_item_id":"BD3421E0-5250-4238-98A4-9B4738DDCB44","product_id":"bee0ac96-dbfb-437d-8e5b-a934aaab0bdc","product_code":"BRP/VBGO1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":281.5,"premium_hospital_monthly":281.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPBRP7"},{"product_item_id":"39FA0362-6928-468D-A9D6-CCD8B17B9468","product_id":"fc1a92c4-298c-475e-9e2d-2efd95b36ee0","product_code":"BR/VAZU1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":291.85,"premium_hospital_monthly":291.85,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPBR5"},{"product_item_id":"56ADC32F-B43D-41FD-BB69-ED133E2B4C2B","product_id":"726f0940-3c0f-4d14-bf66-9433d6991e5f","product_code":"BRP/VBFM1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":295.4,"premium_hospital_monthly":295.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"VPBRP5"},{"product_item_id":"F8DA9AF8-4494-4923-B561-18BFCA62BF70","product_id":"5ba8464d-a511-40ff-9466-d50661bdfbc7","product_code":"BR/VAZG1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":313.85,"premium_hospital_monthly":313.85,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPBR"},{"product_item_id":"20827800-48DC-420D-8C81-0F2130975791","product_id":"3f4c4184-5e44-4a02-bc9d-96040c57a38b","product_code":"BRP/VBEO1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":328.9,"premium_hospital_monthly":328.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPBRP"},{"product_item_id":"4A7204F8-0F5A-40C5-B941-AD43A1B2BB7F","product_id":"f1fb58ad-7f07-4a72-aad6-6555b48a3fc0","product_code":"S1/VBCW1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":340.9,"premium_hospital_monthly":340.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPS7"},{"product_item_id":"FDAACD7E-58BB-4421-B6D6-36EA6B5BBF43","product_id":"90eef8c1-0839-43a6-b454-d3da832965aa","product_code":"S1/VBBQ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":369.25,"premium_hospital_monthly":369.25,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPS5"},{"product_item_id":"5B2FBC57-0512-41CE-B7A4-8E841777D1AD","product_id":"e246c98d-27a1-4aec-91c6-78f6cefca7ae","product_code":"S1/VAAA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":413.4,"premium_hospital_monthly":413.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPS"},{"product_item_id":"9552AB7E-BB9A-4C8A-A142-6581B4934B5D","product_id":"3223679d-0c8b-4100-81a0-4fbe97b16812","product_code":"SP/VBJY1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":489.9,"premium_hospital_monthly":489.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPSP7"},{"product_item_id":"869B2767-F5D0-4833-B0F4-3A28994D0FA0","product_id":"19838216-6d6f-475f-89cd-1f0aee89a8ad","product_code":"SP/VBIW1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":523.7,"premium_hospital_monthly":523.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPSP5"},{"product_item_id":"5AFA0370-40B2-4109-A4B8-0EEEE7FE3768","product_id":"5cc9ad1c-ec6a-4033-aa34-481fff233487","product_code":"SP/VBHU1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"VIC","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":584.25,"premium_hospital_monthly":584.25,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"VPSP2"},{"product_item_id":"61C5AFA5-769D-4EA2-A237-EFCD3FEBAAA7","product_id":"f1d8885a-b2dc-4fd6-952f-1016735ba7d7","product_code":"CG7/WCAP20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"basic","premium_monthly":220.1,"premium_hospital_monthly":154.1,"premium_extras_monthly":66.0,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"WCCG7"},{"product_item_id":"08C98A84-EB20-427D-A8AD-387EA5C94F0C","product_id":"b5c6d256-3ec3-43a2-a3a2-012fc4f107df","product_code":"CBP7/WCAY20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":310.3,"premium_hospital_monthly":217.2,"premium_extras_monthly":93.1,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCCBP7"},{"product_item_id":"5B833E06-6239-49C2-955C-DBAB9F83B7C2","product_id":"4aec483d-6ed0-4887-9175-35ecb6d32ffc","product_code":"NM/WACF20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":520.6,"premium_hospital_monthly":379.15,"premium_extras_monthly":141.45,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"WCNM"},{"product_item_id":"bd20ddfa-3955-4a6e-a91e-fa9d372a986f","product_id":"d2105af6-5910-4963-85f6-7d3227d51f9f","product_code":"CZM7/WCEO20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":765.95,"premium_hospital_monthly":574.5,"premium_extras_monthly":191.45,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCCZM7"},{"product_item_id":"e7fb7c4a-ac9c-408e-b4e4-a17cfc35cfcf","product_id":"010b5fe7-00e7-49c2-b6c1-4add12c683ea","product_code":"CZA7/WCDL20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":856.25,"premium_hospital_monthly":642.2,"premium_extras_monthly":214.05,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCCZA7"},{"product_item_id":"D8669034-AEFC-431F-8C73-69F383A74B4E","product_id":"601cfa31-d7ca-4cd5-8681-7d89483f9f40","product_code":"GV/WAYC20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":183.1,"premium_hospital_monthly":183.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCGV7"},{"product_item_id":"13211B24-6948-418B-BD15-F194594D5216","product_id":"7ebfbf0d-c9c6-4644-a696-0d804c4e944b","product_code":"GV/WACU20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"basic_plus","premium_monthly":187.9,"premium_hospital_monthly":187.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCGV"},{"product_item_id":"2C67F445-D014-4D9D-803F-6FFB13B75AD2","product_id":"486e8a05-2b17-40d3-b4b3-6692b83b54e2","product_code":"BR/WBDZ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":221.2,"premium_hospital_monthly":221.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCBR7"},{"product_item_id":"98EC2F8A-4A2A-4260-B941-88DD246486E9","product_id":"917a9d33-2081-43f2-8c49-63a33be9fbdf","product_code":"BRP/WBGR20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":227.1,"premium_hospital_monthly":227.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCBRP7"},{"product_item_id":"3B6B4FE0-CA01-4FED-BF75-164FB6DB7646","product_id":"121fedd1-53f0-4ef3-9ea6-aee87fd116d4","product_code":"BR/WAYX20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":230.4,"premium_hospital_monthly":230.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCBR5"},{"product_item_id":"9224C168-C5E4-458B-B60F-50D2E38C25A3","product_id":"0fbef872-d862-4d4c-9782-b306ef0b7744","product_code":"BRP/WBFP20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":238.6,"premium_hospital_monthly":238.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"WCBRP5"},{"product_item_id":"38021486-B7A9-47FE-95E1-B632B091C1C7","product_id":"bedd1141-344a-4cfb-8135-71435fb14300","product_code":"BR/WAAN20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze","premium_monthly":255.8,"premium_hospital_monthly":255.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCBR"},{"product_item_id":"A6F1FB5B-5084-42A7-92F2-890D369CDE4F","product_id":"5549fcd5-120d-4fe4-8820-1799851cd2e9","product_code":"BRP/WAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"bronze_plus","premium_monthly":282.1,"premium_hospital_monthly":282.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCBRP"},{"product_item_id":"18606026-AA05-4F07-8E92-B9E4574D4CF1","product_id":"1ff9eb36-044b-4e12-8107-4d9e57f3d44d","product_code":"S1/WBDB20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":294.9,"premium_hospital_monthly":294.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCS7"},{"product_item_id":"BDD3C4C1-356B-42BB-9621-7B353F4BAD0B","product_id":"6aa0e22e-6b73-410b-86e3-d7a641aa79bf","product_code":"S1/WBBV20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":331.1,"premium_hospital_monthly":331.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCS5"},{"product_item_id":"9D3FC05C-BB7E-4F5C-A1B2-093E7AE5D3E9","product_id":"a457baad-9c16-4b10-a8aa-ddb5516f3507","product_code":"S1/WAAA20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":349.3,"premium_hospital_monthly":349.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCS"},{"product_item_id":"8C2EB36F-6AC5-4452-89D7-F72972741617","product_id":"1378db88-698e-4d7c-8b28-5d077bbee87b","product_code":"SP/WBKB20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":411.7,"premium_hospital_monthly":411.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCSP7"},{"product_item_id":"C99F4D1C-25D4-4C1A-9F7E-1361ECD50E8F","product_id":"02cd330f-6713-4e61-a7c8-59812c24f1c5","product_code":"SP/WBIZ20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":433.6,"premium_hospital_monthly":433.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCSP5"},{"product_item_id":"0C8AE411-266C-48FA-9C8A-88F3606D3589","product_id":"c0d24e5d-6d9a-4253-81d2-90126d6a4941","product_code":"SP/WBHX20","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"WA","household":"couple","adults":2,"dependant_types":[],"tier":"silver_plus","premium_monthly":471.9,"premium_hospital_monthly":471.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WCSP2"},{"product_item_id":"2E204075-BAF9-488B-B4EC-5FE26F59D112","product_id":"f3692e00-da04-4891-b404-fc4ff8f2eb06","product_code":"CG7/WCAQ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":220.1,"premium_hospital_monthly":154.1,"premium_extras_monthly":66.0,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"WFCG7"},{"product_item_id":"9A3C0F84-23B9-4485-9C13-7D558140BC2D","product_id":"4c5b0cd0-c84d-4779-a336-e34e414e94b3","product_code":"CBP7/WCAZ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":325.8,"premium_hospital_monthly":228.05,"premium_extras_monthly":97.75,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFCBP7"},{"product_item_id":"61f22507-9fb8-4989-8a01-6b005129acc6","product_id":"ad2d4dd1-740c-4ac1-8d65-55c5cedf913d","product_code":"CZM7/WCEP2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":765.95,"premium_hospital_monthly":574.5,"premium_extras_monthly":191.45,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFCZM7"},{"product_item_id":"d200f4ff-8b92-46a0-8b61-37d9176c4349","product_id":"457d5d8d-2783-490e-acce-74acfcc6b8e4","product_code":"CZA7/WCDM2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":856.25,"premium_hospital_monthly":642.2,"premium_extras_monthly":214.05,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFCZA7"},{"product_item_id":"E084AD7A-806C-4FAB-8D77-37FCB5E02D38","product_id":"fcf0d6ca-f534-4f74-b4a1-c3eececbcb7c","product_code":"GV/WBZO2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":183.1,"premium_hospital_monthly":183.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFGV7"},{"product_item_id":"D08D7F44-E810-48D8-9765-67841D640435","product_id":"cc38ab26-d451-45db-af53-b016d92c5cd4","product_code":"GV/WBZC2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":187.9,"premium_hospital_monthly":187.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFGV"},{"product_item_id":"442E4663-6B2E-4208-B046-C0D1BA60F8EA","product_id":"1fe836d5-165b-4853-bb27-46c983713a3c","product_code":"BR/WBEB2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":221.2,"premium_hospital_monthly":221.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFBR7"},{"product_item_id":"E4B7FE42-4ACC-427C-9085-4B5D6EB0E4EB","product_id":"8a56e4db-e1e3-4668-8b8c-58e63c756b56","product_code":"BRP/WBGT2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":227.1,"premium_hospital_monthly":227.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFBRP7"},{"product_item_id":"C63339BC-EB57-4EBA-ABFE-340B8F76741F","product_id":"8a38d5ed-0495-4d85-96df-c2c9738082ab","product_code":"BR/WBAB2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":230.4,"premium_hospital_monthly":230.4,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFBR5"},{"product_item_id":"58213510-4936-405E-8A86-9246EDD1DD31","product_id":"536d9edd-94c1-45c2-8c90-cf8ea7377c8f","product_code":"BRP/WBFR2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":238.6,"premium_hospital_monthly":238.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"WFBRP5"},{"product_item_id":"B9165606-CE6D-4668-A7BB-8B1C557BF816","product_id":"29629097-cdc3-4d07-8018-2f46fd19141f","product_code":"BR/WAZJ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":255.8,"premium_hospital_monthly":255.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFBR"},{"product_item_id":"39EC704B-C4D8-4F62-A41E-A834444D4575","product_id":"daebc9b4-2d14-4640-9e1a-7e2407d4082d","product_code":"BRP/WBER2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":282.1,"premium_hospital_monthly":282.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFBRP"},{"product_item_id":"F651D772-949A-419D-A63C-6453C73B92D1","product_id":"9e3186e7-d7bf-4f8f-930f-5376b4c14bea","product_code":"S1/WBDC2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":294.9,"premium_hospital_monthly":294.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFS7"},{"product_item_id":"CE125EE9-E033-485D-9B14-E8B922B69655","product_id":"5726a8c8-50f1-41bb-a5f6-e3c9faff5606","product_code":"S1/WBBW2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":331.1,"premium_hospital_monthly":331.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFS5"},{"product_item_id":"319A04DD-7D58-4AA8-BF51-F45D0D1F3464","product_id":"01e81af5-62ad-481c-8360-bec7fb879e64","product_code":"S1/WAAA2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":349.3,"premium_hospital_monthly":349.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFS"},{"product_item_id":"F6AE5F17-32D9-4CF1-B05C-BC6248B4F316","product_id":"23eb8b13-4219-40fb-a3ce-708ca39b0b3c","product_code":"SP/WBKD2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":411.7,"premium_hospital_monthly":411.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFSP7"},{"product_item_id":"734DC85E-BA68-41AF-B9D5-BE078F93D02A","product_id":"c48a4203-9504-4b71-932e-b98f484b9ef1","product_code":"SP/WBJB2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":433.6,"premium_hospital_monthly":433.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFSP5"},{"product_item_id":"E9C57CFA-5A84-4745-897F-696726B7E27D","product_id":"cbcc4a10-4396-4679-8bf2-6671b828a2cf","product_code":"SP/WBHZ2D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"WA","household":"family","adults":2,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":471.9,"premium_hospital_monthly":471.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WFSP2"},{"product_item_id":"CE20EDFB-38BA-44EB-80BF-7B23CE1DFD29","product_id":"2cdef5f5-f7b7-4a46-b9a5-b011d7a32516","product_code":"CG7/WCAS10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"basic","premium_monthly":110.05,"premium_hospital_monthly":77.05,"premium_extras_monthly":33.0,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"WSCG7"},{"product_item_id":"BF4A7DE1-E617-4051-8C10-993AA79D9D6D","product_id":"875da852-a777-4905-a858-1379fe670538","product_code":"CBP7/WCAX10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":155.15,"premium_hospital_monthly":108.6,"premium_extras_monthly":46.55,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSCBP7"},{"product_item_id":"FB093EA6-2F9E-4411-83A1-E1CEAAF9A190","product_id":"3e652975-52c8-43fb-97e7-aea5652ddbdf","product_code":"NM/WACL10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus No Maternity Combo","product_type":"combined","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":274,"premium_hospital_monthly":199.55,"premium_extras_monthly":74.45,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":12,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplusnomaternitycombo-factsheet","valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":"extras3","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist).","funds_product_code":"WSNM"},{"product_item_id":"14eecf16-d2c8-4978-8ecb-8208f5a193ef","product_id":"40be0b26-ec7f-4bc3-9c5d-77fdd668d465","product_code":"CZM7/WCER10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":569.75,"premium_hospital_monthly":427.3,"premium_extras_monthly":142.45,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSCZM7"},{"product_item_id":"205cd88f-ecf9-44cd-acdb-d65edae00ad0","product_id":"a493b9bf-8e37-45a1-a5c1-12953b264592","product_code":"CZA7/WCDO10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":615.9,"premium_hospital_monthly":461.9,"premium_extras_monthly":154.0,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSCZA7"},{"product_item_id":"79DA0CF1-5875-4537-897A-2039E381BCA3","product_id":"2bd0f701-2961-49e9-9f77-cbb65f20967a","product_code":"GV/WAYD10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":91.55,"premium_hospital_monthly":91.55,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSGV7"},{"product_item_id":"EB5711D9-9EA2-4CB1-BDE5-934136F4F5F0","product_id":"ab444322-f1ce-48f3-a23c-498631425ebd","product_code":"GV/WACZ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"basic_plus","premium_monthly":93.95,"premium_hospital_monthly":93.95,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSGV"},{"product_item_id":"CCD7B6A4-4C21-4A05-9E46-FFE08F664A4A","product_id":"be2d98a9-031a-4699-9696-0094730bb288","product_code":"BR/WBDY10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":110.6,"premium_hospital_monthly":110.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSBR7"},{"product_item_id":"9058D98C-F7F0-4FBC-A644-1AE58B2A6F1D","product_id":"90d647b7-0c37-45f4-b645-d1156b4f384c","product_code":"BRP/WBGQ10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":113.55,"premium_hospital_monthly":113.55,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSBRP7"},{"product_item_id":"7DF26AB2-061C-4236-8C84-CE2C137EF16A","product_id":"59bf236e-7895-4ab5-9408-8facc0c93e82","product_code":"BR/WAYW10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":115.2,"premium_hospital_monthly":115.2,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSBR5"},{"product_item_id":"1BF6303A-849A-4B7E-9298-0ADB1B848383","product_id":"d6f6a885-89fc-4bbb-aa3d-e63c8d7b6b08","product_code":"BRP/WBFO10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":119.3,"premium_hospital_monthly":119.3,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"WSBRP5"},{"product_item_id":"91BC68BF-4EA8-4E8D-AFB2-5431B3DF86AE","product_id":"8b457f53-df19-43d6-a86f-4cfcda905263","product_code":"BR/WAAM10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"bronze","premium_monthly":127.9,"premium_hospital_monthly":127.9,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSBR"},{"product_item_id":"BFA22408-E8B7-451E-AAB6-6141C679BCCA","product_id":"e3b517a7-1ec8-4724-8064-67dd2c17bcce","product_code":"BRP/WAAA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"bronze_plus","premium_monthly":141.05,"premium_hospital_monthly":141.05,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSBRP"},{"product_item_id":"14A9F167-FC20-4B2D-9F04-2D0113C832B3","product_id":"441c59ce-6c58-400e-a895-73e0f6e39ab6","product_code":"S1/WBDD10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":147.45,"premium_hospital_monthly":147.45,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSS7"},{"product_item_id":"8EBA1CD8-5E39-4424-B06E-42045C61E686","product_id":"baf04fd8-c85f-4e00-a7bf-510678d5ce5e","product_code":"S1/WBBX10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":165.55,"premium_hospital_monthly":165.55,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSS5"},{"product_item_id":"C724A377-A07C-4A52-B78F-58B106DB468B","product_id":"136fe2fe-b2b7-4cbd-a2a8-010fedeba3e8","product_code":"S1/WABX10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":174.65,"premium_hospital_monthly":174.65,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSS"},{"product_item_id":"23962515-10E8-4060-807E-99E69181F3B2","product_id":"ac306cc6-2751-4d95-95eb-8d9bebca7cc8","product_code":"SP/WBKA10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":205.85,"premium_hospital_monthly":205.85,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":750,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSSP7"},{"product_item_id":"1151D36A-66DD-4EB2-B6A0-F394B57ADF64","product_id":"cf95f549-4096-4e5f-8edf-cd54da69424b","product_code":"SP/WBIY10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":216.8,"premium_hospital_monthly":216.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSSP5"},{"product_item_id":"4E3CAA6D-C349-41D5-81B0-3F95521B7B84","product_id":"7720c2db-82fd-4ce3-93c2-e4124855c3f2","product_code":"SP/WBHW10","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"WA","household":"single","adults":1,"dependant_types":[],"tier":"silver_plus","premium_monthly":235.95,"premium_hospital_monthly":235.95,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":200,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WSSP2"},{"product_item_id":"661B7C56-D3E0-4FDE-8B64-F4A5EB99D878","product_id":"376a5188-6f56-4101-9d49-777de9c2b10c","product_code":"CG7/WCAR1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Starter","product_type":"combined","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic","premium_monthly":203.6,"premium_hospital_monthly":142.55,"premium_extras_monthly":61.05,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":0,"categories_restricted":3,"categories_not_covered":35,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":5,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover1","waiting_profile":"waiting1","extras_profile":"extras1","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"WPCG7"},{"product_item_id":"7C49FC81-9D27-4186-88C1-0922BC6AFC8F","product_id":"70ea3432-116e-4da6-9594-0344fe4f1eec","product_code":"CBP7/WCBA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Simple Choice","product_type":"combined","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":287.05,"premium_hospital_monthly":200.95,"premium_extras_monthly":86.1,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":25,"categories_restricted":3,"categories_not_covered":10,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":null,"valid_from":"2026-04-01","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover2","waiting_profile":"waiting1","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPCBP7"},{"product_item_id":"8f1433df-0a9d-41c4-9fc6-92e68890f24f","product_id":"1782ed94-f0d2-436e-9af9-69808ce54f40","product_code":"CZM7/WCEQ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Mid","product_type":"combined","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":727.65,"premium_hospital_monthly":545.7,"premium_extras_monthly":181.95,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_shared_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":15,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilymid","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras2","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPCZM7"},{"product_item_id":"ddf364d4-4e14-45ba-976f-6c8f2b51dd82","product_id":"bc0cf66c-121f-4292-a221-ca66a776e248","product_code":"CZA7/WCDN1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Family Advanced","product_type":"combined","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":813.45,"premium_hospital_monthly":610.1,"premium_extras_monthly":203.35,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":32,"categories_restricted":1,"categories_not_covered":5,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":12,"waiting_other_months":2,"extras_services_covered":24,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"http://www.hif.com.au/silverplusfamilyadvanced","valid_from":"2026-06-17","source_file":"Combined Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover4","waiting_profile":"waiting2","extras_profile":"extras4","other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (https://www.hif.com.au/healthinsurance/useful-links/find-a-provider to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPCZA7"},{"product_item_id":"FEBC358E-F004-4B60-ADEE-48D8BCFF6E88","product_id":"39bd7710-6e6e-40ee-837a-26c77f4bbb24","product_code":"GV/WBZQ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":155.65,"premium_hospital_monthly":155.65,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPGV7"},{"product_item_id":"B6E4E7AC-5569-472E-BB04-1A4E271D26FD","product_id":"e330cae0-701e-4515-b207-98e6c9ef7abd","product_code":"GV/WBZD1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Basic Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"basic_plus","premium_monthly":159.7,"premium_hospital_monthly":159.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":3,"categories_restricted":3,"categories_not_covered":32,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/basicplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover5","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPGV"},{"product_item_id":"5B27C45A-6813-431D-A3A3-AA516F074462","product_id":"6df30f86-fb28-468a-b18e-cadb96cdb614","product_code":"BR/WBEA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $750/$1500","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":204.6,"premium_hospital_monthly":204.6,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPBR7"},{"product_item_id":"97E660F8-456D-46D1-AD9F-5714203D3A33","product_id":"b0692f1d-c4c1-4f52-91e4-8627846b2b56","product_code":"BRP/WBGS1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":210.05,"premium_hospital_monthly":210.05,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPBRP7"},{"product_item_id":"0481B325-F147-4A6A-B965-D3AA31C7EBD7","product_id":"b2dfa409-ac44-45df-924b-a04243c9e729","product_code":"BR/WBAA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $500/$1000","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":213.7,"premium_hospital_monthly":213.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPBR5"},{"product_item_id":"1AF601B3-D46E-4A99-9E2C-8C1EC309EF9C","product_id":"6e0b5026-cb32-4b4d-bf72-9c2f6cb507bd","product_code":"BRP/WBFQ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":220.7,"premium_hospital_monthly":220.7,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest low or no gap specialist). For family policies, no excess applies to dependent children under the age of 18.","funds_product_code":"WPBRP5"},{"product_item_id":"BE33E637-6C74-48CE-B842-968940198985","product_id":"d6ac91f9-246b-484a-bd27-d2149a31b4cb","product_code":"BR/WAZI1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Hospital $200/$400","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze","premium_monthly":238.8,"premium_hospital_monthly":238.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":18,"categories_restricted":3,"categories_not_covered":17,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzehospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover6","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPBR"},{"product_item_id":"A79A849E-4CA7-4855-A229-36F387D49673","product_id":"bcae5f88-5ac7-4dff-87be-683aec390506","product_code":"BRP/WBEQ1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Bronze Plus Hospital $200/$400","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"bronze_plus","premium_monthly":260.95,"premium_hospital_monthly":260.95,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":23,"categories_restricted":3,"categories_not_covered":12,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/bronzeplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover7","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPBRP"},{"product_item_id":"794416DF-19FD-4DB2-BF19-552C8521CE93","product_id":"40b63f79-3015-4c53-b55e-b6311d809ae4","product_code":"S1/WBDA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $750/$1500","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":272.8,"premium_hospital_monthly":272.8,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPS7"},{"product_item_id":"41929560-4676-4C42-97BC-906BD3F5CED6","product_id":"4b270210-6a68-4cbf-a394-6e4732d810a2","product_code":"S1/WBBU1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $500/$1000","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":306.25,"premium_hospital_monthly":306.25,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPS5"},{"product_item_id":"C110FD23-8CC5-4B20-9D61-D9C7C60450E8","product_id":"fa1fc408-7102-482a-878d-bef449821bae","product_code":"S1/WAAA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Hospital $200/$400","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":323.1,"premium_hospital_monthly":323.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":29,"categories_restricted":1,"categories_not_covered":8,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverhospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover8","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPS"},{"product_item_id":"DA5EA105-32FE-405F-AA73-F98AF6C79FB0","product_id":"e51959e7-0a7f-4cd5-a2ed-386593326a0d","product_code":"SP/WBKC1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $750/$1500","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":374.75,"premium_hospital_monthly":374.75,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":750,"excess_per_policy":1500,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPSP7"},{"product_item_id":"D52DC844-8465-42FE-8415-5E21E55B18B8","product_id":"3b975095-2879-4888-852a-d73de47c14a6","product_code":"SP/WBJA1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $500/$1000","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":401.1,"premium_hospital_monthly":401.1,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":500,"excess_per_policy":1000,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPSP5"},{"product_item_id":"96E46CA2-1563-4715-9B15-CCCD6893AB3B","product_id":"d69b647a-fc6b-4e3e-a04f-738e70af7151","product_code":"SP/WBHY1D","fund":"Health Insurance Fund of Australia Limited","fund_label":"HIF","fund_slug":"hif","fund_code":"HIF","fund_type":"open","brands":[],"name":"Silver Plus Hospital $200/$400","product_type":"hospital","state":"WA","household":"single_parent","adults":1,"dependant_types":["child","non_classified","student"],"tier":"silver_plus","premium_monthly":436.5,"premium_hospital_monthly":436.5,"premium_extras_monthly":null,"excess_type":"limited_per_person_per_policy","excess_per_person":200,"excess_per_policy":400,"excess_per_admission":0,"excess_waivers":[],"copayment":"none","mls_exempt":true,"age_based_discount":false,"accommodation":"private_public_shared","categories_covered":34,"categories_restricted":1,"categories_not_covered":3,"ambulance":"emergency_and_non_emergency","waiting_pre_existing_months":12,"waiting_pregnancy_months":null,"waiting_other_months":2,"extras_services_covered":null,"only_available_with":"not_applicable","corporate":false,"availability":"general","product_url":"https://www.hif.com.au/silverplushospital-factsheet","valid_from":"2026-04-01","source_file":"Hospital Open 01-Oct-2026.xml","source_url":"https://data.gov.au/data/dataset/8ab10b1f-6eac-423c-abc5-bbffc31b216c/resource/27c60ad5-28df-49ad-977d-6ff07c628131/download/privatehealth-01-oct-2026.zip","cover_profile":"cover3","waiting_profile":"waiting1","extras_profile":null,"other_features":"Your choice of treating doctor or specialist. Access Gap Cover for eligible services (visit hif.com.au/accessgap to learn more and find your nearest known or no gap specialist). For family policies, no excess applies to dependants under the age of 18.","funds_product_code":"WPSP2"}]}